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Because we know emergencies happen.
CashPlease loan delivers.
Whether it's a broken furnace, unexpected vet bill or another surprise expense, ditch the delays and get the money you need the same day. Because emergencies don't wait—and neither should you.
Why choose CashPlease?
Borrow up to $1,000, subject to eligibility requirements1
Cash deposited into your account within 24 hours
Three-month repayment term2
An application fee of $203
Important: Taking a CashPlease loan will reduce your available Courtesy Pay limit, which is the amount we may authorize and pay for overdrafts on your account. While a CashPlease loan is outstanding, your Courtesy Pay limit may be reduced by the outstanding loan amount or reduced to $0. Courtesy Pay services are discretionary, not guaranteed and may change at any time based on account activity and obligations.
Be at least 18 years of age
Be the primary owner on a Members 1st personal checking account
Have a Members 1st checking account open for at least 180 days and be enrolled in Courtesy Pay
Have at least a $400 Courtesy Pay limit and at least $200 remaining available
Allow at least one day after paying off a prior CashPlease loan and not have an active CashPlease loan
Use no more than three CashPlease loans within a six-month period
¹CashPlease loan and maximum amount is subject to eligibility. First-time CashPlease borrowers are limited to a maximum loan amount of $200.00. Annual Percentage Rate (APR) is 18.00%. Loan term is three months.
²Sample terms: If you borrow $1,000.00 at 18.00% APR for a three-month term, your estimated monthly payment may be $343.38.
³A non-refundable $20 application fee is charged at the time of application.
How much can I borrow for a CashPlease loan?
Loan amounts generally fall in the $200 - $1,000 range.
How do I know what amount I can borrow?
Once you apply and agree to the fee (if applicable), you will be presented with a screen that displays your maximum loan amount offered. You will then need to request a loan amount that is less than or equal to the loan amount offered. Your requested loan amount must be at least $200.
How many CashPlease loans can I have at one time?
You can have only one outstanding loan at any time per member with CashPlease.
How do I receive my money?
Once you are approved for a loan, we strive to have the funds in your account in 24 hours or less.
How does repayment of the CashPlease loan work?
The loan agreement you complete online states the due date for your loan. If you choose the “Easy Pay” option, payment is automatically deducted from your checking account on the due date. If you choose "Manual Pay", you will be responsible for making your payments on time. Manual payments can be paid in one of our branch locations, over the phone and through “Pay My Loan”.
Once the loan is repaid, can I get another CashPlease loan?
Yes, after paying off your loan you may revisit the CashPlease loan option under digital banking to see the new loan amount for which you are eligible. Please note that you must wait 24 hours between loans, not including the day on which your final payment is actually processed (you can check your CashPlease account for availability at any time). A single member can have no more than three short-term loans during a rolling six-month period.
Does a CashPlease loan affect my credit?
CashPlease eligibility is not based on your credit report. However, like other loans, your payment activity will be reported to the credit bureaus and may impact your credit history.
