QCash

An easier way to get money when you need it!
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A New, Quick Loan for Unexpected Expenses

Life happens. When you need a little extra cash to cover monthly expenses, vacation, school expenses, emergency car repairs or anything in between, a QCash loan from Wright-Patt Credit Union® (WPCU®) can help! Only available to members, it's fast and easy to apply through WPCU's Mobile App or within Online Banking. Plus, there's no credit check required!

Why Choose QCash?

  • Loan amounts available from $200 to $2,000
  • One funded loan allowed in a 14-day period
  • No credit check but other eligibility requirements apply
  • Immediate funding upon approval
  • Available 24/7
  • Fast, contactless application, only available through WPCU’s Mobile or Online Banking
  • Helps build credit

How to Apply for a QCash Loan:

  1. Log in to WPCU Mobile App or Online Banking
    1. In the Mobile App, select Apply for a QCash Loan from the "More" menu
    2. In Online Banking, select QCash from the "Apply for a Loan" dropdown
  2. Read through the features and disclosure, and follow the simple steps to begin your application

QCash Eligibility:

  • Must be a WPCU Member for at least 180 days
  • Must be enrolled in WPCU's Mobile or Online Banking
  • Other eligibility requirements apply
  • Limited to one QCash loan at a time
  • Must be a resident of Ohio, Kentucky or Indiana
  • Business, custodian, representative payee, trust and other select accounts are not eligible

QCash

Signature Loan
Term Loan

Green Check Mark

Green Check Mark
Line of Credit

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Fixed APR

Green Check Mark

Green Check Mark
No Fees

Green Check Mark

Green Check Mark
No Credit Check Required

Green Check Mark

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QCash

Term Loan

Green Check Mark

Line of Credit

—

Fixed APR

Green Check Mark

No Fees

Green Check Mark

No Credit Check Required

Green Check Mark

Signature Loan

Term Loan

Green Check Mark

Line of Credit

—

Fixed APR

Green Check Mark

No Fees

Green Check Mark

No Credit Check Required

—

Description APR

Description

QCash - Up to 24 Months

APR

17.00%

Description

Signature Loan - Up to 60 Months

APR

11.99% - 18.00%

  • No. You can use a personal loan for any financial need, including home improvements, vacation, school or to consolidate your high interest rate credit cards.

  • Yes. The Skip-a-Pay Program allows you to choose the month of your choice to skip one payment per calendar year on qualifying loans, such as a WPCU personal loan. The request for a payment skip can be made up to 6 months in advance of the monthly payment chosen and the request will automatically be processed on the date requested. There is a small fee of $10.00 per skipped payment that will be collected at the time of the request. Finance charges will continue to accrue on the loan during the month of the skipped payment, but no late fee will be charged.

    To be eligible, you must have a positive balance, no late payment history on the loan of more than 31 days, have had the loan more than six months, and be current on all your WPCU loans.

  • The maximum amount available for a QCash Loan is $2,000. The minimum amount is $200. The amount approved will vary based on the individual borrower's eligibility.

  • No, there are no application or processing fees for the QCash Loan. There is a late fee of 5% of the monthly payment if payment is past due.

VIEW All FAQs

  • No. All applications are done through WPCU mobile and online banking. The loans cannot be originated through the Member Center, Member Help Center, or other traditional lending channels.

  • No. Members can have one outstanding QCash Loan at a time.

  • No. If you wish to purchase credit life/disability insurance, you will need to apply for a traditional signature loan instead of a QCash Loan.