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QCash Financial


Who is QCash Financial?

QCash Financial offers relationship-based small-dollar loans. The CUSO’s lending platform enables credit unions to help their members responsibly when they face financial challenges from unexpected life events. From application to account funding, the process is complete in under 60 seconds, no credit check required, and completely digital, needing no effort from staff. When life happens, be there for your members anytime, anywhere and from any device.

Ready to level-up your members’ experience? Consider Life Event, Specialty, and Financial First Responder Loan programs, all using QCash’s patented relational underwriting.

How a strategic alliance with QCash Financial benefits credit unions

The Financial Health Network tells us that:

  • 167 million people in the US struggle financially
  • 2 in 3 Americans are financially unhealthy
  • 1 in 10 Americans are credit invisible
  • 40% of Americans struggle to cover a $400 unexpected expense. 

QCash Financials’ Life Event Loan was created so credit unions can help their members when they need it. They use their patented relational underwriting, providing small dollar loan funding in under 60 seconds.

Why choose QCash Financial?

Member Benefits

  • Contactless/frictionless
  • Available 24/7
  • Just 6 clicks in 60 seconds
  • No credit score required
  • Immediate funding
  • Builds good credit

Credit Union Benefits

  • Supports the credit union mission
  • Facilitates financial inclusion
  • Fully-customizable loans
  • Relational underwriting
  • Automated origination (low cost, no staffing)
  • CDFI approved

Connect With QCash

Talk to one of our CUNA Strategic Services alliance managers to learn more about QCash. We’ll help you identify and evaluate the best solution for your credit union. 

QCash has exclusive pricing and solutions reserved for CUNA Strategic Services and the credit unions and leagues we work with.

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Digital Small-Dollar Loans: Powerful Savings for Credit Unions and Members

QCash

September 15, 2023

Explore the benefits of small-dollar lending and its direct influence on savings for both your cooperative and members.

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The Business (and Benefits) of Digital Small-Dollar Lending

QCash

August 03, 2023

Undervalued since predatory payday loans emerged in the early 1990s, it's a whole new era for credit unions in the ultra-accessible age of mobile small-dollar loans.

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This New Digital Era of Small-Dollar Lending Lifts All Boats

QCash

June 28, 2023

Digital small-dollar loan automation helping consumers finding their way back to improved financial health.

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Credit Union Insiders Reinforce the Power of CDFIs

QCash

June 09, 2023

As much regulatory change that Community Development Financial Institutions could face this year, the power of CDFIs set by the U.S. Treasury’s CDFI Fund continues to change the lives of credit union members and consumers in neighborhoods across the United States.

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Steer Members From Predatory Lenders Back to Cooperatives

QCash

May 19, 2023

In 2003, an inquisitive teller at Washington State Employees Credit Union (WSECU) asked the CEO why so many non-members of the cooperative were cashing credit union member checks.

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Credit Union Liquidity Fears Give CUSOs the Stage to Shine

QCash

May 09, 2023

Whether it was the COVID-19 pandemic or inflation-related factors in the economy, small-dollar lending found itself in the limelight once again in 2022. New data from the National Credit Union Administration (NCUA) revealed cooperatives issued $227 million in small-dollar loans through the Payday Alternative Loan (PAL) program in 2022, overtaking the previous record of $174 million set in 2019 by 30 percent. In fact, reports by CUNA in February showed unsecured consumer loans grew 21.2 percent to $66.5 billion from a year earlier.

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Proposed CDFI Fund Increase Brings Needed Access to Millions in Underserved Communities

QCash

April 05, 2023

The Community Development Financial Institutions (CDFI) Fund would receive a healthy five percent increase in funding, or $17 million, in 2024.

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Why digital lending fintech can accelerate financial inclusion

QCash

March 14, 2023

When Maurice Smith started worrying credit unions could “lose their relevance” in the minds of their members and communities, he decided to do something about it.

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Little financial help for residents following devastating California floods

QCash

February 08, 2023

Earthquakes, wildfires, drought, and now disastrous floods – California just can’t catch a break.

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Member engagement advocacy, and the questions to ask to improve it

QCash

January 10, 2023

If the last couple years have taught us anything, it’s the unpredictable nature of the world in which we live. The ever-vulnerable state of the American economy and international relations necessitates that credit unions be particularly receptive to the always-changing needs and desires of their members.