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Neighborhood Credit Union
Routing #311079270
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Routing #311079270
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Routing #311079270

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Quick Cash Loan

Our Quick Cash Loan is your smart alternative to the payday loan.

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No Credit Check Required

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Avoid High-Rate Payday Loans

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Pay Back in up to 12 Months¹

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Flat Rate of 28% APR¹

Quick Cash Loan

flat rate of 28% APR¹

There's no credit check.
Proof of reoccurring income is required.
Must be a member of Neighborhood CU for a minimum of 12 months and in good standing.
Maximum loan amount: $2,000
Maximum term length: 12 months
Good to Know: Only one Quick Cash Loan can be open at a time. A $20 fee applies and can be charged once every 180 day period.
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¹Quick Cash: Must be 18 years or older and a member of Neighborhood Credit Union for a minimum of 12 consecutive months. Loan application and approval required. Loan cannot exceed $2,000 with a term not exceeding 12 months. An APR of 28.00% will be applied. Proof of income is required. Quick Cash Loan is not eligible for the Skip-a-Payment program. Only one Quick Cash Loan can be open at a time. Must not have had a Quick Cash Loan open within the last 180 days. A fee of $20 can be assessed for loan once within a 180 day period. Late payment fees assessed separately. Other restrictions may apply. Equal Opportunity Lender.

Why Choose the Quick Cash Loan over a Payday Loan?  

While some states put a cap on how much interest payday lenders can charge, Texas is not one of them. Interest rates in Texas on a payday loan can go as high as 662% on as little as $300 borrowed!

With the average payday loan term being two weeks, many struggle to meet the deadline and in return this high-rate interest builds. With the Quick Cash Loan at Neighborhood Credit Union, members will have up to twelve months to pay off their loan, giving them more time to get ahead. And no credit check is required, that way you don’t have to worry about your application affecting your credit score. 

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Membership Benefits

Membership is more than just your $25 share. See all of our benefits, account perks, and lending products.

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Convenience Services

Safety deposit boxes and Courtesy Pay overdraft protection on your checking accounts.

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Money Management

Have a personal finance dashboard at your fingertips inside Online Banking and the MyNCU Mobile App.

Interested in more Neighborhood Credit Union products and accounts?

Everything from checking to loans to insurance - we have you covered.
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Fresh Start Checking

A checking account to help you get back on your feet.

Frequently Asked Questions

Yes, applicants must have a Neighborhood Credit Union membership history of at least 12 months.
No, we do not run your credit when you apply for a Quick Cash Loan.
The maximum term for the Quick Cash Loan is 12 months.
Applicants can request up to $2,000 for the Quick Cash Loan.

Who We Are

Formerly known as Dallas Postal Credit Union, Neighborhood Credit Union opened its doors to its first members in April 1930, just months after the U.S. stock market crashed. During the Great Depression, when Americans’ trust in financial institutions were at their lowest, Dallas Postal Credit Union won that trust and loyalty of its charter members. In 2001, we officially changed our name to Neighborhood Credit Union, a name that more accurately reflects the diverse base of members from all over the Dallas area.

Neighborhood Credit Union now serves the entire state of Texas with over 61,000 members and assets that top $1 billion. Our ongoing effort to offer members convenient services in their communities and mobile access wherever they go has made us a top-rated credit union in the Dallas-Fort Worth area.