¹⁰QCash Loan: All loan applications are subject to review of eligibility and approval. The Annual Percentage Rate (APR) is accurate as of 9/01/2021. The APR for the QCash loan is a fixed rate for the duration of the loan. The APR will be 15.00% APR. For example, a QCash loan for $1,000 with a 12-month term (1 years) at 15.00% APR will have a monthly payment of $90.23. Other terms, payments, and loan amounts are available. The minimum loan amount is $200, and the maximum loan amount is $4,000. If your payment is 11 or more days late, there is a Late Payment Fee of 5% of the payment due. Loans are available to members who meet certain eligibility requirements, who have been with the credit union a minimum of 120 days and are considered a member in good standing. QCash loan is not available in Member Centers; it is only available through online or mobile banking. No minimum credit score required.