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Reaching Minority Households

QCash Quick Small-Dollar Loans

More than 12 million US households use payday loans every year.

The need is real. On average, a borrower takes out eight loans of $375 each per year and spends $520 on interest. A survey conducted by the Pew Research Center found that 69% of borrowers use payday loans for recurring expenses, like rent and groceries.

Improve economic access in your community. 

Sign up to pilot a payday loan alternative program for members who need access to small-dollar short-term, unsecured loans.  Credit unions in the pilot agree to offer the program, an omni-channel lending solution that offers relationship-based underwriting without a credit check.  Results from the pilot are shared with the marketplace to increase access and success for members who need immediate access to liquidity without breaking the bank.

Keep me informed!

QCash is an omni-channel lending solution where members can get instant funding in less than 60 seconds. In 2015, $28M was lent by WSECU, saving members an estimated $3.7M. WSECU experiences a net margin of 11% on these loans.


Tailored specifically for members who need access to small dollar, short-term unsecured loans, the application to funding process takes less than 60 seconds.  Funding is immediate, giving members the liquidity they need when they need it.

Read the FAQs about this initiative or contact Erin Coleman, Senior Impact Director, at 727.742.3196.

QCash is one of five programs being tested in the Reaching Minority Households Incubator. Our work to research and test solutions to improve access to financial services is made possible by Visa.