QuickCash Loans

QuickCash Loans offers a fantastic alternative to payday loans, providing a reliable solution to your financial needs.

QuickCash: Life Event Loans!

Your alternative to PayDay Lending


At Resource One Credit Union, we’re thrilled to present QuickCash Loans, a completely self-service loan! QuickCash is your ultimate escape from the payday lending cycle and your round-the-clock financial lifeline. Say goodbye to the never-ending payday loan cycle and hello to a brighter, more secure future! You have access to hassle-free, 24/7/365 financial support that comes with no credit checks, and fast approval response.

We’re committed to helping you navigate life’s twists and turns with a reliable, transparent, and affordable lending solution. Say goodbye to the payday loan trap and say hello to QuickCash, your trusted financial partner in every chapter of your life.

Choose a QuickCash loan with Resource One Credit Union over Payday Loans. Here’s why:

When faced with a financial emergency, choosing QuickCash over a payday loan is not just a smart decision; it’s a game-changer for your financial well-being. Payday loans are notorious for their exorbitant interest rates that can quickly trap you in a cycle of debt, and they often require inconvenient weekly payments that can strain your budget even further. In stark contrast, QuickCash at Resource One Credit Union offers you a more responsible and affordable solution. Our interest rates are designed to be reasonable and manageable, ensuring that you can repay the loan without falling into a debt spiral.

Moreover, QuickCash provides unparalleled convenience, allowing you to access funds quickly when you need them most. We value our members and offer exclusive benefits, making your financial journey smoother and more rewarding. Best of all, there’s no need to worry about your credit history, as QuickCash requires no credit check for approval. We believe in giving you a fair chance to regain control of your finances and achieve your goals. Choose QuickCash at Resource One Credit Union, and let us be your trusted partner in financial security and peace of mind. Say no to the payday loan cycle and yes to a brighter, more secure future with QuickCash!

Here’s How It Works


We’ve got you covered in minutes.

  • QuickCash is completely self-service
  • Loan amounts from $200 – $2,000
  • No credit check is required
  • Avoid High-Rate Payday Loans
  • Must be 18 years of age and a member for at least 12 months
  • Payback in up to 12 months
  • Members can apply online through home banking or our mobile app.
  • QuickCash is 100% automated and can be done 24/7/365.
  • Upon approval, we immediately deposit cash into your account
  • Flat Rate of 25.00% APR
  • Texas residents only

QuickCash Can Help


Allow QuickCash to help you fast without the high interest rates PayDay lenders charge.

  • Groceries
  • Emergency car repairs
  • Pet emergencies
  • Home appliances
  • Small home repairs
  • Covering monthly expenses
  • Hospital/medical expenses
  • And more

Only one QuickCash Loan can be opened at a time.
A $20 fee applies when applying for the loan.

Already using R1 Online/Mobile banking? Apply quickly here.

To Apply:

  • Log in to Digital Banking on the web or the R1 App
  • Tap Accounts –> QuickCash
Skip logging in to Online/Mobile banking and apply directly here.


QuickCash Loans

apr
Rates as low as 25.00% APR

APR= Annual Percentage Rate. Must be 18 years or older, individual borrowers or primary account holders only, and must be a Member of Resource One Credit Union for a minimum of 12 months to apply. Commercial accounts are not eligible. Loan application and approval required. A fee of $20 will be charged for each loan application, whether the loan is approved or declined. Loan cannot exceed $2,000 with a term not exceeding 12 months. An APR of 25.00% will be applied. Applications can only be filed once every 7 days. Loans are processed one at a time, with a maximum of 3 loans in a rolling 6-month period. The Quick Cash Loan is not eligible for the Skip-a-Payment program. Payment example: Estimated monthly payment of $95.04 per $1,000 borrowed at 25.00% APR for 12 months. Other restrictions may apply; see Credit Union for details. All loans are subject to approval. Rates as of April 12, 2024. Rates are subject to change without notice.

FAQs – QuickCash


R1CU’s solution for those members who have an unexpected need for fast access to cash is to offer relationship-based small-dollar loans based on deposit activity. QuickCash at Resource One Credit Union offers you a more responsible and affordable solution to a PayDay Loan.

You can apply via on-line or home banking. The application is completely self-service.

Yes, a fee of $20 will be charged for each loan application, whether the loan is approved or declined.

This product is relationship-based, meaning the criteria for approval are tenure, accounts, and deposits. Only available when members have been here for 12 months.

Members who are over 18, individual borrowers, and primary account holders who have been members for at least 12 months and reside in Texas. Business accounts are not eligible for QuickCash Loans.

Terms are based on the loan amount:

Loan AmountTerm
$200 – $5003 months
$501 – $1,0006 months
$1,001 – $1,5009 months
$1,501 – $2,00012 months

In addition to the requirements above, you could be declined due to account warnings, excessive overdrafts, or you do not have a qualified account. Examples of account warnings are as follows: delinquent loans, fraud alerts, bankruptcies, charge-offs, repossessions, a bad address, negative balance, etc…

At application, you will receive the decision of the reasons why you did not qualify.

Go to this link and enroll. This is the first step in getting access to online bill pay, eStatements, mobile banking and so much more!

If you have signed up for online banking, just download the Resource One mobile app and register through the app. Available for all iOS and Android devices through the Apple App Store or Google Play.

If you see a message saying you are locked out of Online Banking please contact us directly for assistance. The most common reasons you may be locked out of Online Banking are:

  • Too many attempts entering the incorrect password
  • Incorrect Login ID
  • Incorrect Password

If you forgot your Login ID or you are not receiving your Two-Factor Authentication Code, please contact us for assistance. If you forgot your password, please click here.