Simple, fast short-term loans from a lender you can trust. Learn about these more affordable alternatives to payday loans below and apply for the loan that fits your needs.

Need to Borrow $200 – $2,000

• No credit check
• No application fee
• 6 month payback term on loans up to $1,000
• 12 month payback term on loans from $1,001-$2,000
• You choose your due date
• Must be a CCU member for 3 months or more
• Approval based on member relationship
• Active military not eligible

Additional information about QCash

• If your application is approved, you will see the amount you qualify for up to $2,000. You do not have to borrow the full amount. You can accept a lower amount if you prefer.
• No credit check is performed as part of your QCash application, but after your loan is issued, we do report the loan to credit agencies, so your good payment record can help you establish or re-establish a good credit history.
• Not available to active military due to restrictions in the Military Lending Act.
• You may have only one outstanding QCash loan at a time.
• A maximum of 3 QCash loans are allowed in any 6-month rolling period.
• Not available for trust accounts, business accounts, or youth accounts.
• Must be age 18 or older

How to Apply for QCash

• CCU Mobile App: Go to the “More” section and select QCash.
• eBranch Online Banking: Log in, go to the “Additional Services” tab, and select QCash.

Need to Borrow $1,000 – $2,500 

• No application fee
• Up to 24 month payback term
• Can use to pay off higher-rate payday debt
• Must be a CCU member or join at time of application
• Proof of income and current address required

More Information About Payday+

• You will be asked for proof of income, a copy of your bank statement if your accounts are not with CCU, and 2 items showing your current address.
• If you are not yet a member of Community Credit Union of Florida, we will process your membership along with your loan application. Simply apply for your loan using our convenient online application and we’ll take care of the rest!
• Funds from your Payday+ loan can be used for any financial need you have, including payoff of payday loans or high-rate credit card balances.

How to Apply for Payday+

• Use our confidential online application
• Visit any CCU branch

If you have an established credit history and would like to request a larger loan amount or get a lower rate, our traditional Personal Loans may be right for you.

For Additional Assistance: Please contact a Member Service Representative at 321.690.2328 (outside Brevard, 1.800.690.2338) or send an email to [email protected]. For your security, DO NOT send account numbers or other private information using this general email address. Private, unpublished personal information should ONLY be sent through Secure Email, which is available within the Mobile App and eBranch Online Banking.