Fast Cash Loan 

Life happens—be ready with fast, affordable cash when you need it most.
At Community Focus Federal Credit Union, our Fast Cash Loan is designed for Downriver Michigan members who need quick access to money without the hassle. Whether it’s covering monthly bills, car repairs, school expenses, or an unexpected emergency, Fast Cash gives you instant funds—no credit check required.

Best of all, the Fast Cash Loan is built right into our Mobile App and Online Banking, making it simple, fast, and stress-free.

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Why Choose a Fast Cash Loan?

• Borrow from $250 to $2,000

• Immediate funding upon approval

• No credit check (other eligibility applies)

• Available 24/7 in Mobile & Online Banking

• One funded loan allowed every 14 days

• Build credit while covering life’s expenses

• Safe, fast, and fully digital

How to Apply

1. Log in to Community Focus FCU Mobile App or Online Banking

2. Select Apply for a Fast Cash Loan (Mobile: “More” menu / Online: “Apply for a Loan” dropdown)

3. Review features and disclosures

4. Tap, consent, and receive instant funding

Eligibility Requirements

• Member of Community Focus FCU for at least 180 days

• Enrolled in Mobile or Online Banking

• Must have Direct Deposit into a CFFCU savings or checking account

• Limited to 2 Fast Cash Loans per year

Fast Cash Loan - Quick FAQs

Q: Do I need good credit to apply?
No, there is no credit check. Other eligibility requirements do apply.

Q: How fast will I get the money?
Funds are deposited immediately upon approval into your CFFCU account.

Q: Can I apply in the branch?
No, Fast Cash is only available through Mobile or Online Banking.

Q: How often can I take out a Fast Cash Loan?
You can have one loan funded every 14 days, up to 2 loans per year.

All loan applications are subject to review of eligibility and approval. The APR for the Fast Cash loan is a fixed rate for the duration of the loan. The APR will be 27.50% APR. For example, a Fast Cash loan for $1,000 with a 12-month term at 27.50% APR will have a monthly payment of $96.28. Other terms, payments, and loan amounts are available. Loans are available to members who meet certain eligibility requirements, who have been with the credit union a minimum of 180 days, have direct deposit to a CFFCU savings or a checking account and are considered a member in good standing. Not available at the branch. No minimum credit score required.