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, XtraCash 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.

Xtracash, LLC is now CU Alternative Lending Solutions!

Why the update? We wanted a rebrand message that captures the whole reason we are here to serve — ALL credit union members matter.


Testimonial 1

I knew I had met the love of my life, and I wanted to propose on our three year “dating” anniversary. My income and my current living expenses made it impossible for me to put a downpayment on the perfect ring, so I took out an XtraCash loan. Lucky for me, that beautiful woman is now my wife, and I’m so grateful to my Credit Union for helping make this dream come true.

Testimonial 2

My daughter and her husband had just their first baby and my first grandchild, but they live halfway across the country and I couldn’t afford the plane ticket. After discussing options with my credit union, the XtraCash loan was a great solution. I was able to purchase my round trip flight, and also picked up a couple of really cute baby outfits. My granddaughter is beautiful, and it was wonderful to get that bonding time with her.

Testimonial 3

Summer was almost over and we were getting my oldest ready for his freshman year of college. We had spent most of our savings on back to school clothes and dorm necessities, but did not have enough to cover all of the books needed for his classes. I went to my credit union for financial advice, and was able to get an XtraCash loan to purchase the books needed. Now my son is an A student and really enjoying his college experience.

Testimonial 4

We had a painfully hot summer that caused my electric bill to go off the charts, and I got to the point where I had to pay it or I it would be shut off. The XtraCash loan allowed me to pay off the balance on my bill, and I kept the lights on and the house nice and cool.

Testimonial 5

I woke up with excruciating pain in my mouth, and had to have a root canal that day. My dental expenses maxed out what my insurance covered, and I had some out of pocket charges I had to pay. I sought advice from my credit union and they told me about the XtraCash loan. I was able to pay my dental bill and my tooth is good as new.

Testimonial 6

I wasn’t paying enough attention and overshot the speed limit by about 15 MPH. I got a pretty hefty ticket, but had no idea how I was going to be able to pay. My credit union provided me with an XtraCash loan that covered the speeding ticket. Now I’m driving to financial education classes at my credit union while obeying the speed limit.


2018 CFSA Member
CUALS is a proud member of CFSA.
The CFSA is the national organization dedicated to advancing financial empowerment for consumers through small dollar, short-term loans. Now in it’s 16 year, CFSA was established to promote laws and regulations that protect consumers, while preserving their access to credit options, and to support and encourage responsible industry practices.

Fee Charts

United States Map
The fees for XtraCash 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 XtraCash 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.

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.