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Quick Cash Loan: Your Alternative to the Payday Loan

Published August 18, 2021 
In life, we can’t plan for the unexpected. That’s why Neighborhood Credit Union offers Quick Cash loans up to $2,000 for when you need immediate help but want to avoid the high interest rates on payday loans. Created specifically for our members who are in good standing and have been a member for more than 12 months, the Quick Cash Loan is your smart alternative to the traditional payday loan.   

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. In Texas, interest on a payday loan can go as high as 662% on as little as $300 borrowed! Neighborhood Credit Union offers a flat rate of 28.00% APR1 on its Quick Cash loan so that members can avoid the outrageously high interest rates of payday loans.   

With the average payday loan term being two weeks, many may struggle to meet the deadline, and in return the high-rate interest builds. With the Quick Cash loan at Neighborhood Credit Union, members will have up to 12  months to pay off their loan, giving them more time to get ahead. No credit check will be required for the Quick Cash loan, so you won’t have to worry about the application affecting your credit score. 

The Details

  • Maximum Loan Amount: $2,000 
  • Maximum Term: 12  months 
  • APR: 28.00% 
  • Fee: $20 (can only be charged once over an 180-day period) 


  • Proof of recurring income is required. 
  • Must be a member of Neighborhood Credit Union for 12 months or more and be considered in good standing. 
  • These loans are not eligible for Skip-A-Pay or Extensions. 
  • Loans must be paid off before another loan can be obtained, including Overdraft Loans. 
  • If more than half of the payments are past due during the loan term, or if the loan is charged off, the member will no longer be eligible for this loan program. 

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.

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Who We Are 

As an active part of the community for 93 years, Neighborhood Credit Union is a not-for-profit financial organization serving the state of Texas with branch locations in Collin, Dallas, Denton, Ellis, and Tarrant counties. With assets topping $1 billion, Neighborhood Credit Union has a continuously growing membership of over 60,000. For more information, call (214) 748-9393 or visit our homepage