When life happens, we are here for you.
Whether you need extra cash for school supplies, groceries, an emergency car repair or anything in between, a CU Cash can help. In less than 60 seconds, you can get money deposited right into your account when you need it most — no credit check required!
CU Cash can help you build or repair your credit. Features and requirements include:
- Loans up to $2,000¹
- Repayment terms of 6 to 12 months
- Maximum of 3 loans per 12 months. Only one outstanding loan at a time.
- Must be a member for 180 days
- Must be 18 years or older
- Fixed APR² for the life of the loan
- $20 non-refundable application fee
- No credit check required
- Instant loan decision with funds deposited in less than 60 seconds
- Can be used to build or repair credit
It’s easy to apply for a CU Cash loan! Do it anytime, anywhere.
Enjoy the freedom to prosper. If you have questions about CU Cash, just give us a call at 609.538.4061 or 800.538.4061, email us at memberservices@cunj.org, or stop by one of our branches.
Membership has its discounts.
Enjoy savings at hundreds of retailers, restaurants and services.
All loan applications are subject to review of eligibility and approval. The Annual Percentage Rate (APR) is accurate as of 04/01/2026. The APR for the CU Cash loan is a fixed rate for the duration of the loan. The APR will be 28.00% APR. For example, a CU Cash loan for $1,000 with an 8-month term at 28.00% APR will have a monthly payment of $138.51. Other terms, payments, and loan amounts are available. The minimum loan amount is $400, and the maximum loan amount is $2,000. If your payment is 10 or more days late, we may charge you 5.0% of the payment due. Loans are available to members who meet certain eligibility requirements, who have been with the credit union a minimum of 180 days (6 months) and are considered a member in good standing. CU Cash loan is not available in Branches; it is only available through online application. There is a $20 application fee. No minimum credit score required.
APR = Annual Percentage Rate.
