CashPlease is designed to borrow funds for what you need, when you need them.¹

More Details:

  • Offered on both personal and business checking accounts.¹

  • Borrow as little as $100 to get your cash flow back on track.

  • Once approved, cash is then deposited directly into your Loyalty checking account.

  • Repay in three equal installments with a fixed rate.

  • Qualify for a rate reduction when you select Easy Pay for repayment.

Good for You if:

  • Unexpected expenses arise that you need to cover without the hassle of applying for a typical unsecured loan.

  • You actively use your existing Loyalty checking account.

  • You want the ease of completing the process on your timeline, not ours.

How do I qualify? It's easy. Here's how:

  • You must be enrolled in Online Banking and have an eligible Loyalty personal or business checking account.¹

  • The amount you can borrow is based on your recent checking account history.

  • No credit check required.

Ready to get some Cash?

If you are already a Loyalty member, you are most of the way there.

Sign into Online Banking or the mobile app, select “More Services,” then select “CashPlease.”

Open and complete the CashPlease loan application.

Pro-tip: Make sure to select the checking account you want to add cash to during the application process; it does not auto-select.

In as little as 5 minutes, your funds are deposited into your selected account for immediate use.

You’re a Few Clicks Away

Access CashPlease by logging into Online Banking or using the Loyalty mobile app.

Login to Online Banking
Download the App

Frequently Asked Questions

  • This digital only loan is available to any primary or joint owner of a Loyalty personal checking account. Eligible checking accounts include Checking, Fresh Start Checking, and Business Checking. You must be 18 or older, be enrolled in Online Banking and have an eligible checking account open for 120 days or more.

  • CashPlease loans are available for as low as $100. CashPlease loans are limited to a maximum of $875 on personal checking accounts and $1,500 on business checking accounts. Actual borrowing maximum is based on historical account activity. Unlike traditional loans, CashPlease looks at various account usage factors to determine eligibility.  Therefore, some checking account holders might not qualify for the CashPlease program. Account holders can determine their borrowing ability by logging into Online or Mobile Banking.

  • There are borrowing limits per checking account and per individual. You can only have one outstanding loan per checking account and per individual at any given time. CashPlease may be used up to three times in a six-month period per checking account and per individual. You must repay your loan in full and wait 1 business day before you can borrow again.¹

  • Once you e-sign your loan documents, money is directly deposited into your checking account, typically within 5 minutes.¹ If you complete the application after 9 p.m. ET, your funds may not be available in your account until the following morning.

  • There are flexible payment options available, depending on your personal preference. You can choose “Easy Pay” or “Manual Pay.” 

    Easy Pay: Payments are automatically deducted from your account on the due dates.

    Manual Pay: Requires you to make payments manually through Online Banking, paying at a financial center, or by mail.

  • You can make payments above your required payment amount at any time. There are no fees to pay off your CashPlease loan early.

  • There’s no credit check required for this loan, but once you open it, the account and activity are reported to credit bureaus.

  • CashPlease may help you keep your checking account in good standing as funds you borrow are deposited directly into your checking account. You may still be overdrawn or have payments returned if your available balance is not enough to cover future debits.

  • You can contact Loyalty member service by chatting with Lumi or calling 800-375-2235.

¹CashPlease is a borrowing feature offered on checking accounts that meet certain usage criteria. Any joint account holder must be 18 or older and enrolled in Online Banking to use CashPlease. With an eligible checking account opened for 120 days or more, your ability to use CashPlease and the amount you are able to borrow is based on your Loyalty checking account history, including but not limited to account balances, transactions (to include deposits and withdrawals), and overdraft and returned item history. An active or recent bankruptcy or other legal proceedings may disqualify you.

CashPlease is subject to terms and conditions outlined in your loan agreement. You can borrow in increments of $1 with a minimum borrowing amount of $100. The maximum amount you may be eligible to borrow is $875 for personal accounts and $1,500 for business accounts. Although your credit score is not used to determine eligibility, borrowing money using CashPlease will be reported to credit bureaus. CashPlease may positively or negatively affect your credit score. The overdraft coverage limit on your checking account is reduced when you have an outstanding CashPlease loan balance.

Funds may be deposited into and available in your Loyalty checking account in as quickly as 5 minutes. Although 5 minutes is typical, there may be times when funds are not deposited and available in your checking account until the next business day, depending on processing times. A CashPlease loan must be paid in full with at least a one-business-day waiting period before another CashPlease loan may be approved (only one outstanding loan at a time per checking account and per individual). No more than three CashPlease loans may be approved within a rolling six-month period on any given checking account or by any individual. There is a $20 prepaid finance charge.