Instant Loans for Unexpected Needs
Life happens, and sometimes it brings surprise expenses when you're least prepared. Whether it’s an urgent car repair, a medical bill, or an unexpected home expense, unexpected costs demand quick financial solutions. That's where a Minute Money loan steps in - instant funds, zero credit checks. It's that easy.
- Instant access to funds
- No credit check required
- Loan amounts ranging from $250 - $2,500
- A decision in less than 60 seconds
- Funds will be deposited instantly into your UFirst account
- Allows you to build or repair credit
Minute Money Loans can also be used for tax relief, back-to-school expenses, holiday shopping, and vacations.
APPLY TODAY
Instant Cash Loans Available:
Loan Type | Minimum Loan Amount | Maximum Loan Amount | Interest Rate | Terms | Eligibility | Application Fee |
---|---|---|---|---|---|---|
Minute Money Loan | $250 | $2,500 | 15% | Up to 18 Months | Membership with UFirst 90+ days | $20 |
How does a Minute Money Loan Work?
Minute Money Loans are based on your relationship with UFirst FCU, not your credit score!
When you apply, the underwriting is automatic! It’s literally ‘Money in a Minute’. You will know if you are approved, and the cash will be deposited into your account in less than 60 seconds.
Can I have more than one loan at a time?
No. Members are only allowed one Minute Money loan at a time.How will I received my loan proceeds?
If approved, your loan will be deposited into the UFirst account you designated during the application process.Can I fund my loan in a branch?
No. You must apply online and if approved, proceeds must be deposited into your account at the time of the application.How do my payments work?
Upon approval, automatic payments are set up for you.When your loan is approved, you will be prompted to select a due date and automatic monthly payment pre-authorization.


Requirement and Eligibility
- Must be a member of UFirst FCU*
- Must have reoccurring direct deposit of pay or other benefits
- Must be 18 years or older
- No credit check or minimum credit score
- Payments are drafted monthly from the account receiving the loan proceeds and on the date selected at the time of application
- Application fee**
- Only allowed one Minute Money loan at a time***
**Application Fee will be collected at the time of the application from your UFirst FCU account and must be available funds. The fee will be collected regardless of the loan decision.
***Subject to eligibility and approval