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, LLC. A short-term lending CUSO, XtraCash offers your credit union a 100% risk-free payday-lending alternative, which also serves as a non-interest income generator. XtraCash partners with credit unions to uniquely offer lower cost loans and to encourage financial education to their FOMs. LEARN MORE >>


XtraCash is a proud member of CFSA.

CFSA is the only national organization dedicated solely to promoting responsible regulation of the payday advance industry, and consumer protections, through CFSA's Best Practice.

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By partnering with XtraCash, LLC, 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. XtraCash utilizes 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 XtraCash you are provided the service Free of Charge. XtraCash clients receive the support of a complete local marketing package, also at no charge.

The 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. XtraCash incurs any associated loan loss.