Many credit unions with small dollar loan programs find the loans serve as an entry point into the traditional financial system…

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CU Broadcast

Celero19 Interviews: QCash’s Ben Morales Comments on NCUA Payday Alternative Loan Rule…

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Retain your members and build brand loyalty by offering affordable and immediate access to short-term credit. Our automated, white-label small dollar lending platform approves members instantly because no credit check is required. Our relationship-based underwriting engine uses data analytics to make loan approval decisions. “In the moment” loans are today’s lending practices.

Fee-based, small dollar lending platform

Our QCash® product gives your financial institution the ability to automate a
small dollar, fee-based loan option typically between $50 and $700. Patent Pending.

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Interest-based, small dollar lending platform

Our QCash Plus® product gives your financial institution the ability to automate a small dollar, interest-based loan option typically between $701 and $4,000. Patent Pending.

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Pre-approval loan platform

We leverage our business process automation capability to support pre-approved loan offers with the same efficiency and automation. Patent Pending.

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Financial Wellness Digital Coach

A white-label, mobile app that will change the way your members
interact with their money for a stronger financial future.


CBT is a proven form of psychotherapy seeking to identify, challenge and modify behaviors and thoughts.


In-the-moment feedback in the form of education, support and personalized messages help the app users become more aware of their financial behaviors.


The app usage information is paired with a financial coach to provide individualized guidance.


Our world is at an inflection point, with technology transforming
how credit union members manage their finances.

By the numbers

406 K +
Loans Funded*
264 M +
Total Loaned*
1.4 M +
Account Holders with Access
Product Releases

*Since inception


Get our latest thinking on the biggest opportunities and most challenging issues facing credit unions today.

Top 3 Resolutions for Credit Union Executives in 2020

The New Year has arrived and credit union executives across the country have prepared new goals, strategies, and resolutions for continued growth in 2020 and beyond.  Burgeoning and innovative tech has changed how CUs offer products and services, including the introduction of remote customer service via video conferencing for online customers. In 2020, the CU […]
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CX, FinTech, and FinLit: Credit Union Trends To Look For In 2020

There were some cliffhangers to end 2019 going into 2020 in the small dollar loan industry. From credit unions’ slow-but-steady cloud adoption strategies, fintech, and marketing automation. And who can forget the Consumer Financial Protection Bureau’s pending decision to rescind its own underwriting “ability-to-repay” requirement. Like any forward-thinking credit union leader or executive, you have […]
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