CCU Personal Loan Options

Borrow money without providing collateral, like home equity, to secure the loan. 

 

Community Credit Union of Florida offers personal loans that address a variety of financial and credit situations.

 

Funds from these loans can be used as you wish to meet any financial need you may have. See below to find the loan that best fits your needs.

Personal Loan Options Table
 

 

QCash Payday+ Personal Loan
What amount can I borrow?
$200-$2,000 $1,000-$2,500 Up to $50,000*
What is the rate? 28% APR 18% APR View Current Rates
What is the term? 6 months on loans up to $1000
12 months on loans $1001-$2000
6-24 months Up to 60 months
Is there an application fee? No No No
Do I need to have other accounts with Community Credit Union? Yes, you must be a CCU member for at least one month. You must be a member, and may join at the time of loan closing. You must be a member, and may join at the time of loan closing.
Can I have more than one at a time? There is a limit of 1 QCash Loan outstanding per member and maximum 3 QCash Loans within a 6 month rolling period Yes Yes
Are there any use restrictions? No. Use the money for any financial need you may have.  No. Use the money for any financial need you may have.  No. Use the money for any financial need you may have. 
Where do I apply?

CCU Mobile App: Go to the “More” and select QCash

eBranch Online Banking: Log in, go to “Additional Services” menu, and select QCash

Online: Confidential Application (choose "Personal")
or
CCU Mobile App: Go to "Apply for a Loan" and choose "Personal"
or 
at any CCU Branch

Online: Confidential Application (choose "Personal")
or
CCU Mobile App: Go to "Apply for a Loan" and choose "Personal"
or 
at any CCU Branch
or
Call the 24-hour Loan Line: 321-637-3211
Why should I choose this type of loan? If you:

need up to $1,000 for a short time (6 months)

are looking for a more affordable alternative to a payday loan

would like an instant decision and instant access to the approved amount

If you:

do not have a strong credit history 

need to borrow between $1,000 - $2,500

are looking for a more affordable alternative to a payday loan 

If you:

have established credit

need to borrow up to $50,000*

What do I need to qualify? You must be a CCU member for at least one month. (no credit check) Proof of income, 2 items with your current address, and a bank statement for checking or savings accounts that are not with CCU A credit check will be performed