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QCash

When life happens, we are here for you! Apply for a QCash Loan! 

  • No credit report needed
  • Quick application and approval process through Online Banking – just 6 clicks in 60 seconds
  • Upon approval, loan proceeds are deposited to your checking account!

Apply Today Using Your Mobile App! 

Whether you need a little extra cash for college, groceries, an emergency car repair, or anything in between, a QCash loan can help.

With just 6 clicks in 60 seconds, you can get money when you need it most deposited right into your account; no credit check required!

QCash Life Event Loans can help you build or repair your credit and are a smart alternative to high-interest loans. Features and requirements include:

  • Loans up to $2,000 with fixed 12-month terms
  • Must be a WyHy member 
  • Must be 18 years or older
  • 27% APR*
  • $20.00 application fee
  • No credit check
  • Instant loan decision
  • Can be used to build or repair credit

Why Choose QCash? 

  • Available 24/7
  • No credit check required 
  • Loan amounts available from $200-$2,000
  • Money goes immediately to your account
  • Helps build credit 
  • Fast, easy, contactless application

QCash Eligibility: 

  • Must be a WyHy Member
  • Must be enrolled in WyHy's Mobile or Online Banking

How to Apply for a QCash Loan: 

  • Log in to the WyHy Mobile App
    • On the Mobile App: Navigate to the "More" section and select QCash from the menu
    • Follow the simple steps and begin your application! 

It’s easy to apply for a QCash Loan! Do it anytime, anywhere, via online or mobile banking.

Have questions? Learn why a QCash Loan is better than competing loans or talk to an expert about it first.

QCash Payment Example: 

Payment Examples

Loan Amount 

Rate

Monthly Payment

Term

$200-$499 27%* APR $69.99-$173.87 3 months
$500 – $1,000 27%* APR $90.02 – $180.03 6 Months
$1,001 – $1,499 27%* APR $124.11 – $185.85 9 Months
$1,500 – $2,000 27%* APR $124.11 – $185.85 12 months

*Subject to Approval 

Frequently Asked Questions: 

​No! You can use a QCash loan for any financial need, including home improvements, when you need a little extra cash to cover monthly expenses, vacation, school expenses, emergency car repairs or anything in between. 

An application fee of $20 is charged for every QCash application, whether or not the loan is approved.

The application fee is non-refundable. The fee is assessed at time of application and charged to the member's Checking or Savings account regardless of whether the loan is approved, denied or declined by the applicant.

If your payment is 11 or more days late, there is a Late Payment Fee of 5% of the payment due.

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.

When evaluating your application, a loan decision takes into consideration your membership, including factors such as payment history and deposit activity. You must also be 18 years or older and the primarty borrower to qualify.

To improve your membership standing, you can do things like:

  • Use your checking account regularly for daily purchases
  • Stay up to date on your loan payments
  • Avoid overdrawing your account

Members are only allowed to have one (1) active QCash loan at a time.

Upon approval, your funds, ranging from $200–$2000, will be deposited into your checking account within minutes for ease of access. If you don't have an active Checking account, funds will be deposited into your active Savings account. Only members with an active Checking or Savings account are eligible to apply.

No need to worry about signing in to your account or calling your local branch to make a payment. Upon approval, automatic payments are set up for you, giving you peace of mind that your payments will be on time. 

When your loan is approved you will be prompted to select a due date and automatic monthly payment pre-authorization. Depending on the due date selected, the first payment date may be no more than 30 days from funding. The automatic payments will be taken out of the same account the loan amount was deposited into. The entire payment amount must be available in the account for the payment to process. If the loan payment is not made within the grace period (10 days), a late payment fee may be assessed.

The APR for the QCash loan is a fixed rate for the duration of the loan. The APR will be 27.00% APR. 

 

 

*All loan applications are subject to review of eligibility and approval. The Annual Percentage Rate (APR) is accurate as of 6/1/22. The APR for the QCash loan is a fixed rate for the duration of the loan. The APR will be 27.00% APR. The minimum loan amount is $200, and the maximum loan amount is $2,000. 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 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 is required.