How QCash Works
QCash’s software-as-a-service (SaaS) integrates directly with your core processing system to complete every step of the loan process from start to finish. It is fully automated and requires zero intervention from your loan origination staff. Here is what you need to know about what makes QCash unique.
Easy Access for your Members: Members access QCash through your digital banking portal via any device 24/7/365, even when your branch is closed. Authentication of your member is handled through their log in to digital banking – no additional credentials required!
Relational Underwriting: Through deep integration with your core, QCash has access to over 100 data points on your member. Our algorithm analyzes this member data and makes decisions on loan applications based on underwriting criteria provided by you. Members simply tap, review, consent and go!
Loan Terms: Multiple loan types are available depending upon your member needs. You decide parameters for loans. Maximum loan amount, interest rate, term and repayment requirements are fully configurable.
Instant Funding: Your members go from application to funding in their account in less than 60 seconds. The loan is written to your core.
Automation: Loan applications are decisioned, and approved loans are funded all without any staff intervention.
Your Members – Your Brand: Solution is white-labeled to match your brand and your name product.
Easy for Your members
- With just one click, your member accesses the loan application via your CU’s digital banking system.
- Our algorithm analyzes member data and determines the maximum loan amount, if approved, based on your underwriting criteria.
- The member selects the loan amount and loan due date.
- Finally, the member views and accepts the loan agreement with one more click.
Connecting Through Your Digital Banking Provider an Issue? No problem. Ask us about QCash Connect, an alternative method for your members to gain access to the QCash Platform outside of digital banking.
Our Solutions
QCash helps your credit union serve all members, no matter the need. With QCash, you can offer:
Together, we can make small-dollar lending easier and more accessible for everyone.
Are you ready to see what QCash can do for you and your members?