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AU Quick Cash Loans

Cash in 5-minutes... Anytime or anywhere

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Loan Details

Application Requirements

Reasons for automatic denials

Account types Not Eligible

Repayment Schedule

Loan Details

When life happens...we are here to help!

  • Get money deposited into your bank account in just minutes
  • Application process is 100% online & available 24/7
  • Loan amounts from $200 to $2,000 (based on approval)
  • 3, 6, 9, & 12 month loan repayment terms (based on approval)
  • No credit check required, approval is based on member history
  • Best for unexpected emergencies or an alternative to payday loans
  • Fixed interest rate of 27.50% APR

*APR = Annual Percentage Rate. 27.50% APR is effective December 18, 2023 and is subject to change. Example: For a $2,000 AU Quick Cash Loan with a term of 12 months at 27.50% APR, the monthly payment will be $192.52. Loan amount and term length is based on approval.

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Application Requirements

  • $20 non-refundable application fee*
  • Must be 18 years or older
  • Must have at least 3 months of membership
  • Must be the primary account owner
  • Must have a recent deposit history into your account
  • Must use your physical address (not mailing) when applying
  • Members can only have one AU Quick Cash loan at a time
  • Must be in Good Standing**

*A $20.00 application fee will be deducted from your account at the time of your loan funding. If your loan request is denied, cancelled, or withdrawn, the fee will be deducted from any of your accounts as agreed in your Membership Agreement and Disclosures.

**When evaluating your application, a loan decision takes into consideration your membership, including factors such as payment history, deposit activity, length of relationship, number of financial products, direct deposits, number of electronic transactions, and loan amount qualifier.

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Reasons for Automatic Denials

PLEASE NOTE: You will automatically be denied for an AU Quick Cash loan if you already have one. To avoid being charged the $20 non-refundable application fee, please carefully read the reasons for automatic denials shown below.

  • You have applied for an AU Quick Cash loan within the past seven days
  • You have a current existing AU Quick Cash loan at the time of request
  • You have had three AU Quick Cash loans within a six-month period
  • You have had a Loan Modification completed through the collections department
  • You have delinquent loans or negative savings accounts
  • You have caused American United a loss in the past
  • Your services or membership is limited by American United
  • American United accounts included or discharged in a bankruptcy
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Account Types Not Eligible

  • Fiduciary (UGMA, Representative Payee, Estate, Conservator)
  • Trusts as primary member
  • Youth
  • Business
  • Organizations
  • Other similar specialty accounts 
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Repayment Schedule

  • $200 to $300 amount | 3 month term | $70 to $105 payment range
  • $301 to $800 amount | 6 month term | $55 to $145 payment range
  • $801 to $1,000 amount | 9 month term | $100 to $125 payment range
  • $1,001 to $2,000 amount | 12 month term | $97 to $193 payment range
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When there is more month than money... this emergency short-term personal loan could not be any easier! If approved, you'll have money in your account in minutes and the 28% APR fixed rate is much lower than a 400% payday loan alternative.

American United FCU Member

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AU Quick Cash Rates

Rates up to date as of July 4, 2024. Rates subject to change without notice.

24/7 Online Approval13-month APR6-month APR9-month APR12-month APRMaximum Loan Amount
No credit check required227.5%27.5%27.5%27.5%$2,000

APR = Annual Percentage Rate. Membership required, on approved credit, and rates subject to change at any time without notice.
This loan is best for personal emergencies when you need cash right away and/or to be used as an alternative to higher rate payday loans.
1. Non-refundable application fee of $20.
2. Eligibility and loan approval is based on current member’s relationship with the credit union.

Frequently Asked Questions

What Is AU Quick Cash?

When life happens, American United is here to help. This new personal loan product provides money into your bank account in just minutes… anytime, anywhere. The application process is 100% completed online and available 24/7. Loan amounts from $200 to $2,000 are offered with repayment terms up to 12 months. There is no credit check required for this specific loan because approval is based on your member relationship history with us.

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What Should it Be Used For?

Unexpected emergencies that require cash immediately. Especially for situations that happen outside of regular business hours, over the weekend, or even while travelling away from home. Meant as a last resort, this loan is here to help you for any reason (no questions asked), when you are out of time and options.

In addition to emergencies, AU Quick Cash should be considered as an alternative to higher rate, predatory lending payday loans. As a member of American United, you have established a financial relationship with us, one that we are able to use for non-credit based approval on this specific type of personal loan. You work hard, and we are here to help you find ways to end the negative cycle of higher rate payday loans.

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What to Consider before Applying?

If you have enough time to meet with us during regular business hours, please do so before applying online for this AU Quick Cash loan. American United offers a variety of personal loan products and we’d be delighted to have the opportunity to understand your situation and provide the best personal loan option for you.

Please note that there is a $20 non-refundable application fee that will be withdrawn from your account if you apply. Additional loan requirements, details, and resources are provided below and meant to help you determine if applying makes sense for you.

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Want a lower rate Signature loan?

  • Not as fast as a Quick Cash loan, but has a lower rate if approved
  • This personal loan can be used for any expense
  • We offer competitive fixed rates & loan terms up to 60 months
  • Maximum loan amount is based on approved credit
  • Quick & easy approval in-branch or online
  • Online & Mobile Banking
Signature Loans