When you need something fast Short Term Loans
Our credit union proudly offers Extra Credit loans through the FastCash platform, designed to empower our members with the funds they need to achieve their dreams.
Whether you need a little extra cash for books, groceries, an emergency car repair, or anything in between, a FastCash Loan can help. Get money when you need it most deposited right into your account with just a few clicks taking less than a minute!
Signature Personal Loans
As low as 7.74% APR*!
Looking to build credit, fix your car, consolidate debt, or purchase a new appliance? Class Act offers low, fixed rate personal loans for any planned or unplanned expense. Borrow anywhere from $1,000 to $25,000 and keep your loan safe with our loan protection options.
*APR = Annual percentage rate. Rates effective as of 09/01/2023 and subject to change without notice. On approved credit. Other rates and terms may apply based on individual creditworthiness. Personal Loan Rates shown reflect .25% discount for automatic payment discount. Payment example for Personal Loan: $10,000 loan amount with a 36 month term at 7.74% would have monthly payments of $313 or $31.30 per $1,000 borrowed. Not available for refinance of existing CAFCU loans.
Your Ticket to Whatever! Lifestyle Access Line of Credit
As low as 10.25% APR*!
It’s like a credit card without a card and is good as cash! Use your lifestyle access loan to finance your dream wedding, remodel your kitchen, pay for Lasik, or fund an adoption. Once approved, your lifestyle access line of credit is available whenever you need it. Simply transfer funds from your lifestyle access line of credit directly into your Class Act savings or checking account and they are available for you to withdraw as cash, check, or use as payment. With low variable interest rates and affordable payments, the good life is more accessible than ever. The Lifestyle Access Line of Credit requires a minimum credit score of 600 and minimum line of credit of $5,000.
*APR = Annual Percentage Rate. This is a variable rate loan. The APR is indexed to the Prime Rate as published in The Wall Street Journal plus a margin (as low as 3% for well-qualified borrowers). The APR may vary with changes in the Prime Rate and will not exceed 18%. Lifestyle Credit Limits range from $5,000 – $20,000. The minimum payment is the greater of $50 or 2.5% of the statement balance.
Overdraft Line of Credit
There's nothing more frustrating than an overdraft. When merchants charge additional fees for returned checks, it can be costly. Class Act has the solution to limit damage. Attach this line of credit to a checking or savings account to cover any charges should you overdraft your account. It's free to set up and payments are only due when credit has been used. At 15% APR*, it's less expensive than courtesy pay or overdrafts.
Example: You borrow $100 because you need a little extra to get you by. If you pay it off the next day, you pay just 4¢ to cover that purchase, saving you $32.96!*
*APR = Annual Percentage Rate. Rate subject to change at any time. Actual payment will vary based on period of balance and amount borrowed.
Need Some Extra Cash? Smart Choice Loan
Need emergency money? Class Act’s Smart Choice loan is a short-term loan that provides second-chance financing while building positive credit. It is designed to help you, an established member of Class Act Federal Credit Union, borrow a small dollar amount to carry you until you receive your next regularly scheduled income check. Avoid predatory loans, Smart Choice will have a lower interest rate compared to payday lenders, and your payments will actually help build your credit.
How Long Will it Take to Pay Off? Calculate Your Personal Loan
Our Rates
| Description | Maximum Amount | Maximum Term | Annual Percentage Rate |
|---|---|---|---|
| Overdraft Line of Credit | $10,000 | Open-End | 15.00% APR* |
| LifeStyle Access Line of Credit | $20,000 | Open-End | 10.25% APR* |
| Share Secured | 100% of Shares | 48 months | As low as 5% APR* |
| Personal Loan | $25,000 | 72 months | 7.74% APR* |
| Share Certificate Secured | @rate_table_share_certificate_max_amount() | @rate_table_share_certificate_max_term() | @rate_table_share_certificate_APR() |
*APR = Annual percentage rate. Rates effective as 9/18/2025 and subject to change without notice. On approved credit. Other rates and terms may apply based on individual creditworthiness. Personal Loan Rates shown reflect .25% discount for automatic payment discount. Payment example for Personal Loan: $10,000 loan amount with a 36 month term at 7.74% would have monthly payments of $313 or $31.30 per $1,000 borrowed. Not available for refinance of existing CAFCU loans.