My Fast Cash
Your fast and easy cash solution.
Fast cash, right when you need it.
My Fast Cash offers a quick and easy way to access funds without the hassle. Whether it’s an unexpected bill or a last-minute need, you can apply and get approved in minutes.*
The benefits of Fast Cash
Take advantage of this member-exclusive product.
Boost Your Credit
Build or repair your credit by making on-time payments.
Digital Access
Apply quickly through digital banking — no calls needed.
No Fees
Enjoy zero origination or application fees for a stress-free process.
Convenience
Get 24/7 access to loans and funds whenever you need them.
How does My Fast Cash compare to typical payday loans?
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How much can I borrow?
How much can I borrow?
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How long is the term of the loan?
How long is the term of the loan?
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What is the rate?
What is the rate?
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Is there a credit check?
Is there a credit check?
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Will this affect my credit score?
Will this affect my credit score?
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How do I apply?
How do I apply?
Payday Loan
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How much can I borrow?
Often $500 to $1,000 limit
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How long is the term of the loan?
The term generally ranges between 2 to 4 weeks (some allow renewals).
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What is the rate?
Roughly 400% to 520%
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Is there a credit check?
Varies by institution
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Will this affect my credit score?
Generally, this type of loan is not reported to credit bureaus. However, if the loan isn’t repaid, it is typically sent to a collection agency, which could affect your credit score.
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How do I apply?
In person
My Fast Cash
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How much can I borrow?
$500 to $4,000
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How long is the term of the loan?
6 to 42 months** (depending on the amount borrowed)
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What is the rate?
21% APR***
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Is there a credit check?
None
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Will this affect my credit score?
Reported to credit bureaus so you can build credit with on-time payments
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How do I apply?
Conveniently through your Marine Credit Union Mobile App
FAQs
My Fast Cash is best for members who:
- Have been members of MCU for six months or longer (non-members are not eligible)
- Are active members of MCU (such as those with direct deposit, a transaction history, or on-time loan payment history)
- Don’t want a credit pull; this loan does not pull credit, but it reports on-time payments to credit bureaus so it’s an opportunity to build if needed
Loan eligibility is based on the following:
- Must be a member of MCU for 6 months or longer
- Minimum loan amount is $500; maximum is $4,000
- Minimum term is 6 months; maximum term is 42 months**
- Underwriting based on relationship and history with MCU
Not finding what you’re looking for? Contact us.
Get cash when you need it
Apply for a My Fast Cash loan today.
Disclosures
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* Must be a member of Marine Credit Union (MCU) for at least 6 months to apply. Loan approval will be based on the relationship and history with MCU. The member’s share account must at least have a $0 or positive balance or the application will be automatically declined.
** APR=Annual Percentage Rate. For a $4,000 loan at 21% APR, the monthly payments would equal $135.35 for 42 months.
*** This rate is for all members who qualify and receive proceeds for this loan – no risk-based rate applies.