Nearly 30 million U.S. households are either unbanked or rely on alternative financial services — many of whom are credit union members.


CUALS competes with payday lenders by offering a better product with lower fees. The program is about empowering CU members to avoid the habitual payday lending cycle, and transitioning them back into mainstream credit union products and services. With our innovative program, we help develop a pathway toward CU’s more traditional loans.

Designed by credit unions for credit unions, CUALS help you build stronger relationships with members, and acquire new members, by providing the best short-term loan solutions and low-risk services possible. CUALS also serves as a credit union non-interest income generator and incurs any loan loss.

CUALS Benefits

CUALS benefits your credit union, so you can come through for your members. Life is unpredictable for all of us. There are times when even the most financially responsible person needs help covering unexpected expenses – perhaps an emergency medical expense or car repair. Your credit union can become the trusted source your members reach for when they need a little “Xtra.”

  • CUALS incurs any and all loan losses. NO RISK to the credit union.
  • WE PAY YOUR CREDIT UNION quarterly based on loan volume. Non-interest income generator.
  • Web-based system available 24/7, plus training, underwriting, servicing and collections delivered by CUALS.
  • No monthly service fees for the CUALS XtraCash program.
  • Acquire new members with a price-competitive product that is trusted and convenient.
  • Retain current members by offering a product they currently go elsewhere to receive.
  • Move members from a short-term CUALS loan to other credit union products/services.
  • Complete turn-key program and risk-free lending solution, allowing you the freedom to offer short-term loans you might not provide otherwise.
  • Quick, easy entry and low maintenance product for credit unions.
  • Marketing collateral and advertising materials are provided at no charge to our credit union partners. View An Example>>
  • In addition to helping members save money by offering a lower-cost, short-term loan product, members receive the following added benefits:
    • CUALS XtraCash program provides a quick and convenient online loan application.
    • Valuable and beneficial financial education becomes available to interested members; to assist them in getting out of the high-interest storefront/online payday lending cycle.

Your members deserve a better alternative. Here’s a snapshot of the typical CUALS consumer:

  • Younger, educated consumers.
  • Represent the American working middle-class.
  • They research and consider their alternatives only to decide that payday loans are often a less costly, more desirable option for short-term unsecured credit.
  • Typical short-term loan members are female, 25-49 years old, educated, with income up to $60,000.

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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