SnapCash Loans

Get funds immediately to stay afloat until payday

  • No credit inquiry
  • Funds deposited immediately
  • Borrow $200 to $2,000

SnapCash Loans Details

A Payday Loan Alternative at just 24.99% APR*

Payday lenders charge service fees based on your loan amount. In Michigan, the standard $15 fee on a $100 loan over 14-days equates to 391% APR*!

If money is tight, choose Adventure's SnapCash Loan! We'll give you funds faster than a payday lender and at a reasonable rate of 24.99% APR*.

How to apply for a SnapCash Loan:

SnapCash Loans are only available to existing members of Adventure Credit Union.  You must apply for SnapCash within our secure digital banking.

You cannot apply for a SnapCash Loan in-person or over the phone.

SnapCash Loans can be used for:

SnapCash Loans are perfect for quick loans to help you get by until your next paycheck. You can apply directly through the digital banking app. Use SnapCash Loan to:

  • Avoid late payment fees on bills
  • Pay for groceries
  • Make a loan payment on time
  • Assist with emergency expenses
  • Stay on your feet until your next paycheck

Details & Requirements:

Here's what to expect with a SnapCash Loan.

  • Loans from $200 up to $2,000
  • Select your own loan repayment term up to 12-months
  • Fixed rate of 24.99% APR*

SnapCash Loan approvals are based on your relationship with the credit union. Instead of a credit inquiry, we require the following:

  • Must be 18 years or older
  • Must be a member for 6 months or longer
  • Must have direct deposit of at least $1,000/month

SnapCash Alternatives

SnapCash loans are perfect for small, quick emergency funds to help you get to your next paycheck. Adventure also offers loans for bigger needs that may pop up in your life. Other Adventure Loans:

Debt Consolidation Loans

Eliminate high interest credit card debts.

Learn More
  • Must be a member with an ACTIVE account history of six months or longer.
  • Must have an ACTIVE direct deposit or a history of payroll deposit (pay stubs required for non-direct deposit members) for a minimum of six months, history must reflect no gaps in pay, all deposits must be made at Adventure Credit Union.
  • Must have a minimum direct deposit or payroll deposit of $1,000 monthly.
  • Unemployment Benefits cannot be considered as it is not earned income.
  • Any request for a fourth loan within a 12-month period of time would require a meeting with one of our Financial Counselors.
  • Limit of 6 loans per year, no more than 3 in a rolling six-month period of time.
  • Absolutely no refinances, loans must be paid in full solely by the member before they may obtain another SnapCash Loan.
  • No deviation from the allowable loan limits ($200-$2,000).
  • Loan will be fully amortized.
  • Loan term will be up to 12 months, allowable term based on loan amount, and no pre-payment penalty.

 

Adventure Credit Union is a full-service credit union in Michigan with branches in the Greater Grand Rapids and Lansing areas. All those who live, work, worship or attend school in the State of Michigan are eligible to join.

*APR = Annual Percentage Rate. Rates are fixed; monthly payments are subject to loan term length. Maximum loan amount is $2,000. Maximum loan term is 12 months. At 24.99% APR, the repayment schedule is 12 monthly payments of $95.04 per $1,000 borrowed. Rates and terms are subject to change without notice. Some restrictions may apply.

**Credit decisions will be provided to the member within 60 seconds of application submission. Loan amounts from $200 up to $2000. Loan terms up to 12 months. Members can have only one (1) Snap Cash loan at a time. Maximum of three (3) Snap Cash loans over a six (6) month period.