Your members are using payday lending services. If you are not providing a safe alternative, where are they going?

CUALS is the Better Alternative

Credit unions used to be the place to go for small dollar, short-term loans. Unfortunately, over the years, the costs associated with underwriting and offering these loans became cost prohibitive. Today, credit unions nationwide now enjoy a modern solution — XtraCash, brought to you by Credit Union Alternative Lending Solutions (CUALS). A short-term lending CUSO, CUALS is a 100% risk-free payday-lending alternative, which also serves as a non-interest income generator. CUALS partners with credit unions to uniquely offer lower cost loans and to encourage financial education to their FOMs.

We Partner with Credit Unions to Serve their Underserved Members


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Testimonial 1

I had a car repair emergency and money was tight, the loan gave me a little relief.

— Jesusa G.

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Testimonial 2

I found out I have cancer. It came unexpectedly and I really needed help with getting some meds. I appreciate how they walked me though the application and got me approved fast.

— Ratasha W.

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Testimonial 3

It has helped me pay bills when I had a short check. Has kept me from overdraft on my checking account. Helped me when I needed food and gas for my vehicle. It paid the water and gas bill and car payment. You name it , it helped. Thank You.

— Tonya G.

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Testimonial 4

They helped us with making our house payment when our oldest daughter was in the hospital having open heart surgery at 6 months old.

— Sarah M.

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Testimonial 5

My rent check was about to bounce because of an emergency situation. The loan assured me it would not happen.

— Freeda R.

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Testimonial 6

They have Always Been There For Me On Any Loan I’ve Needed To Take Care Of My Monetary issues, & I TRULY APPRECIATE Their Services, SERIOUSLY !!!

— Ronald W.


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CUALS is a proud member of INFiN.

INFiN is the national organization with a mission to serve as the voice of the vital and rapidly evolving consumer financial services industry in a thriving, competitive marketplace, and to advocate on behalf of customers who choose and value these convenient, reliable, and transparent products and services for financial inclusion and stability.

Fee Charts

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The fees for the CUALS XtraCash loans vary by state depending on local regulations. There are also different rate options available depending on the level of participation of the Credit Union and the source of the payment.

Safe and Secure

By partnering with CUALS, you gain the safety and security of working with a CUSO-owned short-term lending alternative. It’s always more efficient and economical for your credit union to collaborate with a CUSO; allowing you to offer financial products and services on a cooperative basis. We utilize one of the leading short-term lending transaction systems in the United States.

On its own, a credit union might find short-term lending to members cost prohibitive, but with the CUALS XtraCash loan you are provided the service Free of Charge. CUALS clients receive the support of a complete local marketing package, also at no charge.

The CUALS program is a web-based system, which allows you access to the program 24/7. The program offers a complete turn-key operation providing web-based software, underwriting, collections, servicing and training. CUALS incurs any associated loan loss.

LOUISIANA RESIDENTS CUSTOMER NOTICE: If you cannot make a payment when due, you can ask to enter into an Extended Payment Plan once in a twelve-month period, but the request must be made in person, by email, or facsimile (CU Alternative Lending Solutions, LLC,, 4312 Rainbow Blvd, Kansas City, KS 66103, Phone 1-913-310-9292, Fax 1-913-543-3593.) Should CU Alternative Lending Solutions, LLC, refuse to enter into an Extended Payment Plan upon your request before the due date, contact the Office of Financial Institution at 1-888-525-9414.

CUSTOMER NOTICE: There are a wide variety of loan products available in the marketplace, so your choice of lending products should match your financial needs. Small-dollar loans used over a long period of time can be expensive.

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