Sometimes, you just need a little help to get through the month or handle an unexpected expense. With Quick Cash, you can borrow between $250 and $2,000 to help you bridge the gap.* The money is deposited directly into your account within minutes once you’re approved.
- Borrow up to $2,000 fast with a fixed rate and term up 12 months*
- Must be a La Capitol Federal Credit Union member for 6 months or more. **
- Must be 21 years or older
- Eligible Direct Deposit Required
- 26.00% APR*
- $20.00 application fee (non-refundable)
- No credit check required and an easy online application
- Timely payments are reported to the credit bureau and can help build your credit
- Financial education from Knowledge of Financial Education (KOFE) - free for La Cap members
- No more than 3 loans to any one member in a 6 month period.
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How much can I borrow?
Quick Cash loans are available in amounts from $250 to $2,000.* The amount and term you are eligible for is determined by your depository relationship with La Capitol Federal Credit Union and other eligibility requirements, including:
- Must be a La Capitol FCU member for 6 months or more
- Must be 21 years of age or older
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How do I get my money?
If you are approved, the funds will be deposited into the account designated during the application process.
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How does this affect my credit score?
Quick Cash loans are not based on credit score. Timely payments are reported to the credit bureaus and can potentially improve your credit score.
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I am joint on a La Cap account. Am I eligible?
You must have your own La Cap membership in order to be eligible. If you are joint on a La Cap account but do not have your own membership, you are not eligible. You would need to open a La Cap membership and be a member for 6 months or longer to become eligible, along with meeting the other Quick Cash qualifications.
Disclosure
* La Capitol FCU membership of 6 months or more is required. To receive loan proceeds, a Regular Share Account with a $5.00 par balance is required. APR = Annual Percentage Rate. 26.00% APR is the current fixed rate available for the term of the loan. Loan minimum amount is $250 and maximum amount is $2,000. Loans $250 – $500 have a 3 month term. Loans $501- $1,000 have a 6 month term. Loans $1,001 - $1,500 have a 9 month term. Loans $1,501 - $2,000 have a 12 month term. Quick Cash personal loans are available to members who meet relationship, account status, depository and other eligibility requirements. The $20.00 application fee is collected at the time of the application and must be available funds. Loan is disbursed into your La Cap account and cannot be disbursed in a branch, by phone or other means. No more than 3 loans to any one member in a 6 month period. Effective date: 12/9/25.
Payment Examples:
A loan amount of $1,000 for 6 months at 26.00% APR has an estimated monthly payment of $179.44.
**Joint account holders must establish and have their own La Cap membership for 6 months or more before becoming eligible.