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Versatile loan for whatever life throws at you

Key Features

  • More affordable than a payday loan
  • Instant loan decisions on loans < $25,000
  • Funds available within 24 hours

For loans up to $25,000, click the Quilo™ pop-up on the bottom-left corner of this page to apply! The loan application process will take 3 minutes or less, and you'll receive an instant loan decision. If approved, funds will be deposited into your account within 24 hours!

If you do not see the Quilo pop-up at the bottom-left corner, refresh the page.

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A personal loan is like a Swiss-army knife, it’s versatile and can be used for a variety of purposes including (but not limited to):

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Debt Consolidation

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Emergency Expenses

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Medical Bills

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Home Improvement

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Wedding

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Vacation

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Moving Costs

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Solar Energy

We offer both secured and unsecured personal loans, which means you may use an asset like a car as collateral on the loan. You can also talk to your loan officer about flexible repayment terms based on your unique situation.

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Best if you...

Need a one-time cash deposit of $1,000 or more

Need access to cash funds of $100 or more at your convenience

Need access to funds, up to a predetermined limit, when buying online or at the store

Brief Description

A personal loan, or installment loan, is a fixed amount of cash borrowed, deposited as a lump sum, and repaid over a set period of time.

A Kwik Cash is a revolving line of credit, meaning that you can draw funds from it as long as it remains open.

A credit card is a revolving line of credit, meaning that you can draw funds from it as long as it remains open.

Minimum Loan Amount

$1,000

$100

None

Access to Funds

Your loan officer will either deposit the funds into your account or write out a cashier’s check with the full amount.

If you apply for a loan with the Quilo™ pop-up (for loans up to $25,000), approved funds will be deposited within 24 hours.

You can withdraw funds at any time via online and mobile banking, by phone, or in-branch.

You can make a purchase by swiping your card or entering card information online at any time.

Repayment Terms

You will make fixed, equal monthly payments based on the duration of the loan.

Interest accrues at a rate based on your credit score and the term of the loan. You pay interest and principal with each contracted monthly payment (pre-payment is allowed).

See your loan paperwork for any fees, like late fees, that could occur.

Your monthly payment is calculated based on the amount you’ve drawn from it plus the remaining balance from previous months (AKA outstanding balance).

Payments are 5% of the outstanding balance, or $15, whichever is more, and recalculated each time a draw is taken.

All Kwik Cash payments are due on the 28th of the month. See your loan paperwork for any fees, like late fees, that could occur.

Your monthly payment is calculated based on the amount you’ve spent plus the remaining balance from previous months (AKA outstanding balance).

Interest is accrued on the outstanding balance. You can pay the balance in full, instead of just the minimum payment due, to avoid interest entirely.

See our fee schedule and your loan paperwork for any fees, like late fees, that could occur.

Sound like a great financing option for you?

Apply Now

For loans up to $25,000, use the Quilo pop-up on the bottom left corner of this page to apply.

Apply Now

Apply Now

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The Consumer Financial Protection Bureau loosely defines a payday loan as a “high cost loan, generally for $500 or less, that is typically due on your next payday.” Payday lenders often operate from convenient storefronts, whose lobbies mimic the look and feel of a fast-food restaurant, touting low to no credit requirements and quick payouts.

Many states have outlawed payday lending, as it is widely considered to be predatory. However, payday lending remains legal in Wisconsin, with some loans reaching up to 574% APR* (yes, you read that right) according to USStatesLoans.org (*APR is Annual Percentage Rate).

Historically, credit unions like FCCU have been a great alternative to payday lenders, offering small dollar loans at reasonable rates with relatively quick payouts for members with low to no credit— All the benefits of a payday loan with the backing of a trusted loan team who want to put you in a better financial position than when they met you.

Meet our Consumer Loan Team

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Term

APR

Payment/$1,000

Up to 36 Months

As low as 11.50%

$32.98

Up to 48 Months

As low as 12.00%

$26.33

Up to 60 Months

As low as 12.25%

$22.37

APR is Annual Percentage Rate.

See All Loan Rates