What is EZ Cash?

A new, quick loan for unexpected expenses. An easier way to get money when you need it! We get it. Sometimes you need to borrow money quickly and easily. Life happens. When you need a little extra cash to cover monthly expenses, vacation, school expenses, emergency car repairs or anything in between, an EZ Cash loan can help!

EZ Cash loan terms

EZ Cash will offer terms of 9 months, 12 months, and 18 months. The term will be chosen for you based on the amount financed. The rate will be a default rate of 24.99% for all EZ Cash loans. EZ Cash will offer you a loan amount for the maximum amount that you have been approved for. Members can lower the amount if they choose to a minimum loan amount of $500 and a maximum loan amount of $2,000.

EZ Cash Loan Eligibility

To be eligible for an EZ Cash loan you must:

• Be a member for at least 90 days
• Must receive direct deposit to your CASE account

Other items may exclude you from loan approval such as prior CASE charge-off,  account status, or excessive unsecured loan balances for other CASE products. This loan is only available on consumer accounts.

Where do I find the EZ Cash link?

The location of the EZ Cash application is as follows:

- On the Mobile App, you can find the EZ Cash Loan link at the bottom in the navigation bar.

On the Online Banking platform, you can find the EZ Cash Loan link at the top of the navigation bar.

How to apply for an EZ Cash loan

Members must apply online, using CASE’s online banking or the mobile banking app.

The first screen will allow you to select an account to deposit the loan proceeds to and the electronic acknowledgment.
Once you check the electronic acknowledge box, you can click on the "Begin Application" button.

Then you will see the Loan Application in Progress screen for a brief moment while decisioning the loan.

You will then receive a decision on the loan. 

If you receive approval, then you can click the Continue button. On the next screen, you may choose an amount up to the loan amount approved. It will show the total amount it will cost in interest (finance charge), the term, and the rate. After you select the Continue button, it will display the screen with the Loan Summary and the Truth in Lending Disclosures. You will have to check the box to acknowledge and the loan will be disbursed once you hit the Accept button.

EZ Cash FAQs

Are there limits to how I can use an EZ Cash loan?

No. You can use an EZ Cash loan for any financial need, including home improvements, vacation, school, or to consolidate your high interest rate credit cards.

What is the grace period for the EZ Cash loan?

There is a 10-day grace period for the EZ Cash loan. At 10 days past due, you will be charged 20% of the interest or $15, whichever is greater.

Is there a maximum amount allowable for an EZ Cash loan?

The maximum amount available for an EZ Cash loan is $2,000. The minimum amount is $500. The amount approved will vary based on the individual borrower’s eligibility.

Can I apply for an EZ Cash loan in branch or by calling the credit union?

No. All applications are done through CASE’s mobile banking app or online banking. The loans cannot be originated in branch, contact center, or other traditional lending channels.

Are EZ Cash loans eligible for LifePlus/LifePlus Disability insurance?

EZ Cash loans do not qualify for payment protection. If you wish to purchase LifePlus/LifePlus Disability insurance, you will need to apply for a traditional personal loan instead of an EZ Cash loan.

When will members receive the funds?

Members that are approved for an EZ Cash loan will receive instant funding to their CASE account.

Does this qualify for the .25% discount for automatic payments?

This loan does not qualify for the discount for automatic payments as automatic payments are a requirement for the EZ Cash loan and will be set up by the system.

Can I have more than one EZ Cash Loan at a time?|

No. Members can have one outstanding EZ Cash loan at a time.

Does an EZ Cash loan qualify for the Skip A Pay Program?

Yes, the EZ Cash loan does qualify for the Skip A Pay Program. The loan must have a minimum of 6 paid payments over a 6-month period.

Are there any application or processing fees for the EZ Cash loan?

There are no application fees for the EZ Cash loan.

When will my first payment be due?

Your first payment is due 30 days from the date the loan is approved.