Life’s unexpected events don’t always wait for pay day.  Sometimes, people need quick access to cash for living expenses or other needs, prior to the arrival of their weekly or bi-weekly paycheques.  Unfortunately, “corner store lenders” have preyed upon consumers by charging exploitive interest rates designed to trap these individuals into an unsustainable cycle.

WFCU Credit Union has developed a fair and responsible solution, SmarterCash: A Pay Day Loan Alternative.

A SmarterCash loan is designed for members who need quick and easy access to cash, with fixed interest rates, and repayment schedules set in conjunction with the member’s pay cycle. SmarterCash loan maximums are based upon a percentage of the member’s Net Pay, with a range of $500 or less to a maximum of $2,000.

And with WFCU Credit Union, approvals are always easy and hassle-free!  Funds are advanced by cash on the spot with instant approval, or by pre-authorized credit to an account at a designated financial institution.

SmarterCash Is The Better Pay Day Alternative

SmarterCash is a short-term solution to a member’s immediate cash flow needs, and costs so much less than the competition.

	WFCU Credit Union	Pay Day Loan Providers
Loan Amount	$300.00	$300.00
Fees*	$4.26	$63.00
Total	$304.26	$363.00

A difference of $58.74!

*For illustration purposes only.

Step Up Program

SmarterCash: A Pay Day Loan Alternative is designed to ensure the future prosperity of our members who utilize these loans.  Once a member establishes a successful credit history, Step Up options are made available, such as:
•    Lower Interest Rates
•    Higher Limits
•    1-Year Terms
•    Cash Advances

We're Here When You Need Us

With 9 convenient locations across Windsor-Essex, WFCU Credit Union is also open evenings and weekends to serve you! To learn more, or to apply for a SmarterCash: A Pay Day Alternative loan, call 519-974-WFCU or visit a branch today!