QuickCash Loans

QuickCash Loans are here for you when life throws the unexpected your way. They give you fast, reliable access to the funds you need, with clear, manageable terms, so you can handle life’s surprises with confidence and peace of mind.

QuickCash: Life Event Loans!

QuickCash is Resource One Credit Union’s solution for members who need fast, reliable access to cash when life happens. Designed around your existing relationship with us, these small-dollar loans are based on deposit activity, not lengthy applications or credit hurdles. With a simple, self-service experience and quick approval, QuickCash provides a transparent and supportive option to help you navigate unexpected expenses with confidence, convenience, and peace of mind.

We’re here to support you through life’s unexpected moments with a fast, transparent, and affordable lending solution you can trust, QuickCash, ready when you need it.

QuickCash — A Helping Hand When Life Happens:

Life doesn’t always wait for perfect timing. When an unexpected expense or life event comes up, QuickCash from Resource One Credit Union is here to help you move forward with confidence. Designed around real member needs, QuickCash offers fast access to funds through a relationship-based, small-dollar loan built on your deposit activity—not your credit score.

With clear terms, manageable payments, and quick approval, QuickCash provides a responsible and affordable way to handle life’s surprises without added stress. There’s no lengthy process, no credit check, and no uncertainty, just a straightforward solution when you need it most.

At Resource One, we believe financial support should feel empowering, not overwhelming. QuickCash is more than a loan, it’s peace of mind, flexibility, and a trusted partner by your side through every chapter of life.

Here’s How It Works

We’ve got you covered in minutes.

  • Completely self-service and 100% automated – available 24/7/365
  • Loan amounts from $500 to $2,000
  • No credit check required
  • Designed to help members avoid high-rate payday loans
  • Must be at least 18 years old and a member for 12 months or more
  • Direct deposit is required
  • Repayment terms of up to 12 months
  • Flat rate of 25.00% APR
  • Funds are immediately deposited into your account upon approval
  • Members can apply easily via online banking or the mobile app
  • Available to 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

To keep things simple and accessible, members may have one QuickCash Loan at a time, a $20 application fee applies, and active Direct Deposit is required to qualify.

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
Log in and apply now
Skip logging in to Online/Mobile banking and apply directly here.

Apply Now

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 February 05, 2026. 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
$500 minimum3 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.