Kwik Cash

We offer Kwik Cash loans to establish a line of credit and get the cash you need when you are in a pinch. Once approved, the cash is ready for you to access at any time – if and when you need it 24/7. You’re only charged interest when you have an outstanding balance. This loan can also double as an automatic line of credit linked to your share draft/checking account for overdraft protection.

Easy Application

Making the decision to apply for a loan is the difficult part, so we’ve made everything else as simple as possible. There are a number of ways to apply.

Apply over the phone

Call us at 715-748-5303 or 844-430-5572 to apply now or discuss your loan options.

Apply in person

Visit your local branch to fill out a loan application and talk with a loan officer. No appointment necessary.

Apply online

Select the button below to fill out an online loan application. If you are not a member, you are still able to apply through this page.

Additional Services

Overdraft Transfer is the first overdraft protection that occurs. When a transaction attempts to process on your share draft/checking account and funds are not available for the entire amount, the system will transfer the remaining funds needed plus $5.00 from the accounts you set up behind your share draft (example: membership share account). A transfer fee of $5.00 will then be charged to the share draft account. No fee is charged when funds are transferred from a Kwik Cash loan. This allows the transaction to process without potential of return and is immediately covered with your own funds. We will send you a notice each time a transfer occurs.

Let us help you save time and money by setting up automatic payments to your loan accounts. This gives you peace of mind that your payment has been made and can save you money off of interest depending on payment scheduling.

Automatic Funds Transfer

Automatic Funds Transfer is a feature that automatically performs member transfers on a recurring basis. Transfers can be made from one account to another, or even between different memberships. Loan Payments, HSA contributions and normal share-to-share transfers can all be accomplished through Automatic Funds Transfer.

With this option, a member can: automatically make loan payments from a checking or savings account, transfer money regularly from a savings account to a child’s or spouse’s savings account, or make regular deposits into a Christmas Club or secondary savings account.

Payroll Deduction

Payroll deduction is a feature that automatically performs member transfers when an associated ACH credit is performed on an account. This allows the transfer to occur from one account to another immediately when the deposit is posted. Transfers only occur when the deposit comes in and is more than the requested transfer amount.

This feature is only tied to one designated deposit; therefore, if you change employers or the employer changes their payroll name the transfer will not occur because it will not recognize that it is your payroll deposit. If this occurs please contact one of our loan officers or operations staff and they will be able to assist with the transfer and correction of the processing for the future.

ACH from another Financial

Peoples Choice Credit Union is able to initiate transfers from another financial onto a loan payment. Payments can be arranged for the following days of the month: 1st, 5th, 10th, 15th, 20th, 25th, every Friday, or every other Friday. The credit union will not initiate on any other date or schedule. If the date of the payment lands on a weekend or Federal holiday, the payment will be pulled on the following weekday.