Small Dollar Lending Archives - QCash Financial Digital Small Dollar Lending Platform

Why Credit Unions Are Key to Financial Inclusion

Today, financial inclusion is more alive and accessible than ever to credit unions’ everyday financial offerings, with the incorporation of fintech like QCash Financial’s digital small dollar loan platform.

Executives Discuss How Small Dollar Lending Benefits Credit Unions and Members’ Financial Health

Financial Health

The goal of the credit union industry since its founding has been lending money to those who needed liquidity for life’s unexpected emergencies. When it comes to credit unions in the late 20th and early 21st centuries, these stabilizing financial health assets fell to the wayside when predatory payday lenders arose in the early 1990s. […]

How PALs I and II Can Help Your Credit Unions, Even at 36 Percent APR

Small Dollar Lending

Certain credit union industry executives and policymakers believe credit unions can better and more fairly serve everyday loan borrowers with improved Payday Alternative Loan (PAL) tools

The Brand Implications Of Small Dollar Lending Programs

Small Dollar Lending

Small dollar lending is about helping credit union members when they need it most. It’s an organic extension of the credit union mission: people helping people.

How Pending CFPB Rules May Impact Payday Lenders

Small Dollar Lending

Pending CFPB regulations would fundamentally change the nature of small dollar loans, possibly even ending the services of many traditional payday lenders.

The Need for Small Dollar Loans in 2021

Small Dollar Lending

2021 will bring new challenges, and it’s time to consider small dollar lending platforms as a financial solution for your credit union’s members.

Low-Interest, Short-Term Loans Should Be Offered by Credit Unions Per Regulators

Regulatory

We strongly believe in providing financial relief to credit union members. Find out about our low-interest short-term loan solutions for credit unions.

Are Your Members Using Predatory Lenders For Their Small Dollar Loans?

Small Dollar Lending

For the past eight years Paul Horan worked as a shoe salesman for a high-end Cleveland retailer. Paul made decent pay selling shoes; even if his work was commission-only, he made an honest living. As one might imagine in 2020, COVID-19 destroyed much of what used to be. Despite their best efforts to figure out […]

Short-Term Lending is Ignored; Why Data Science is the Solution

Small Dollar Lending

A significant portion of the US population needs short-term credit. In fact, short-term credit, or “payday loans”, as they are often called, are used by over ten million households every year. What drives this need?

36 Percent APR Is The Right Number For Small Dollar Loans

Small Dollar Lending

How the 36 percent interest rate (APR) cap benefits small dollar lenders and ensures borrowers affordable small dollar loans while avoiding financial traps

How “6 Clicks in 60 Seconds” Is Transforming Lending

Small Dollar Lending

Digital and automated banking has had many in traditional banking hearing footsteps these days. The personal credit lending industry is gaining momentum once again, and with fintech accounting for over a third of the personal loan balances in the U.S. (TransUnion), digital disruptors have had traditional banks and credit unions on the defensive.

3 Reasons a Small Dollar Loan Program Benefits Community Banks

Small Dollar Lending

It is pretty safe to say the state of the small dollar loan industry is in transition. We could hardly blame you if you lost track of where things stand in the small dollar loan space.

The changing face of credit union small dollar lending platforms

Small Dollar Lending

Throughout the last year, several regulatory bodies have revisited their policies surrounding small dollar lending programs. How does this affect credit unions?

What are the pros and cons of partnering with QCash small dollar lending?

Small Dollar Lending

Introducing any new technology to a tried-and-true sector is a recipe for radical change. Generally, the change is for the positive, but that doesn’t mean that there aren’t any drawbacks to innovation. The question is when partnering with financial technology companies, what do you give, and what do you get?

How does QCash partner with fintechs?

Small Dollar Lending

In the world of financial technology, it’s important to know that companies can form partnerships to better serve their clients. So how does QCash partner with other fintech companies?

Small Dollar Lending

Why Credit Unions Are Key to Financial Inclusion

Executives Discuss How Small Dollar Lending Benefits Credit Unions and Members’ Financial Health

How PALs I and II Can Help Your Credit Unions, Even at 36 Percent APR

The Brand Implications Of Small Dollar Lending Programs

How Pending CFPB Rules May Impact Payday Lenders

The Need for Small Dollar Loans in 2021

Low-Interest, Short-Term Loans Should Be Offered by Credit Unions Per Regulators

Are Your Members Using Predatory Lenders For Their Small Dollar Loans?

Short-Term Lending is Ignored; Why Data Science is the Solution

36 Percent APR Is The Right Number For Small Dollar Loans

How “6 Clicks in 60 Seconds” Is Transforming Lending

3 Reasons a Small Dollar Loan Program Benefits Community Banks

The changing face of credit union small dollar lending platforms

What are the pros and cons of partnering with QCash small dollar lending?

How does QCash partner with fintechs?

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