Quick Cash Loans
Quick cash for quick comebacks.
Life happens — and sometimes it’s expensive. When an unexpected expense pops up, Quick Cash loans give you a safe, affordable alternative to payday lenders. With a simple application, fast approval, and no credit check, you’ll have the support you need without the stress.
See the difference
Fast cash without the “how am I paying this back?” feeling.
Payday loans can come with sky-high fees that leave you paying far more than you borrowed. Quick Cash Loans are designed to help eligible Topside members handle short-term expenses without the financial whiplash.
Example: Borrowing $1,000
A lower-cost option can make a big difference.
That could mean keeping around $970 more in your pocket.
No credit check
Apply without another hard credit pull.
Fast decisions
Instant approval decisions.
Same-day funding
Approved funds can be available the same day.
Local support
Borrow from a credit union that’s here to help.
Examples are for educational purposes only. Actual costs vary based on lender fees, repayment terms, payment timing, and loan amount. Topside Quick Cash Loans are subject to approval, eligibility requirements, and current program terms.
Common Uses
For life’s “of course this happened today” moments.
Quick Cash Loans can help cover unexpected expenses without turning to high-cost payday lenders.
Car Repairs
Because check engine lights never arrive at a convenient time.
Utility Bills
Help keep the lights on when expenses hit all at once.
Groceries
Bridge the gap when payday feels a little too far away.
Medical Expenses
Handle surprise appointments, prescriptions, or emergency costs.
Home Emergencies
From broken appliances to unexpected repairs that can’t wait.
Everyday Expenses
Sometimes life just stacks too many bills into the same week.
Flexible by design.
With Quick Cash, you choose what works best for you.
Loan Terms
- Borrow from $250 up to $2,000
- Flexible terms from 1 to 12 months
- Instant approval for qualified members
Rates and Fees
- Fixed interest rate: 25% APR* (higher than traditional loans, but lower than payday lenders)
- $20 application fee
- No prepayment penalties
Eligibility
- Must be a Topside FCU member in good standing for 6+ months
- 18 years and older
- Direct deposit verification required
- No credit check required
How it works:
| step 1 | Apply OnlineApplying for a Quick Cash Loan takes minutes. |
| step 2 | ApprovalInstant approval with no credit checks required. |
| step 3 | FundingReceive your funds almost instantly in your designated Topside FCU account. |
Note: Once you click "Begin Application," you will be instantly charged the $20 application fee, regardless of completion status.
Frequently Asked Questions
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What is a Quick Cash Loan?
Quick Cash is a short-term loan designed to help you cover unexpected expenses without turning to payday lenders. It’s fast, simple, and flexible — you pick the amount and repayment term that work best for you. With instant approvals and almost instant fund availability, it's here for you when you need it most.
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How much can I borrow?
You can borrow anywhere from $250 up to $2,000, depending on your needs and eligibility.
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Do I need a credit check to qualify?
No — Quick Cash Loans don’t require a credit check. Approval is based on your membership and account standing with Topside
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How fast will I get the money?
Members receive funds the same day (if not instantly) once they’re approved, right into their Topside account.
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Are there fees or penalties?
There’s a small application fee of $20, but no prepayment penalties. You can pay off your loan early without extra costs.
If a payment is missed, you may be charged a late fee. We encourage you to contact us right away so we can work with you on repayment options.
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Can I have more than one Quick Cash Loan at a time?
No, only one Quick Cash Loan can be active at a time. Once your loan is paid off, you’re welcome to apply again if needed.
Please note that you can only have 3 Quick Cash Loans within a rolling 6 month period.
Example: If a member’s first Quick Cash loan was funded on January 10, they may have up to three (3) Quick Cash loans between January 10 and July 9. Once July 10 arrives (six months after the first loan), the member would again be eligible to apply.
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Why Quick Cash Instead of Other Options?
Why not just get a payday loan?
Payday lenders often charge triple-digit interest rates and can trap borrowers in a cycle of debt. Quick Cash gives you a fair, lower-cost alternative backed by your credit union.Why not use a personal loan?
Personal loans may offer lower rates, but they often require higher credit scores, longer applications, and bigger loan amounts. Quick Cash is faster, easier, and doesn’t require a credit check — perfect for smaller, short-term needs.Why not just use a credit card?
Credit cards can be useful, but not everyone has available credit or wants to open a new line. Quick Cash is a one-time loan with a clear end date, so you know exactly when you’ll be debt-free. -
Why is the application asking for the last 5 digits of my Social Security Number instead of the usual 4?
For added security, we verify your identity using the last 5 digits of your Social Security Number rather than just the last 4. This helps us confirm your account information more accurately and keep your personal data protected.
If you’re unsure which number to use, double-check that you’ve entered all five digits at the end of your SSN (not four).
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