Borrow up to $875 on your personal account and up to $1,500 on your business account. Easy online application. No credit check required.¹
More Details:
Borrow $100-875 on your personal account and up to $1,500 on your business account.¹
Once approved, cash is transferred into your checking account.
Pay back over three equal monthly payments.
There is a $20 prepaid finance charge.¹
Good for You if:
You need cash quickly to cover a surprise expense or an emergency.
You need less than $875.
You currently have a Loyalty personal checking account.
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.
Your CashPlease transfers into your checking account in as little as 5 minutes.
You’re a Few Clicks Away
Access CashPlease by logging into Online Banking or using the Loyalty mobile app.
Frequently Asked Questions
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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.
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Maximum loan amounts range from $100 to $875 for personal accounts and up to $1,500 for business accounts. You can borrow in increments of $1. The amount you can borrow is based on your checking account activity. Unlike traditional loans which use your credit score to qualify for a loan, CashPlease looks at your account activity and history to determine eligibility. There is no guarantee that you will be eligible for a loan just because you have a checking account. To see if you are eligible for CashPlease, you’ll need to login to Online Banking or the mobile app and apply.
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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
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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.
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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.
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You can make payments above your required payment amount at any time. There are no fees to pay off your CashPlease loan early.
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There’s no credit check required for this loan, but once you open it, the account and activity are reported to credit bureaus.
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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.
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You can contact Loyalty member service by calling 800-375-2235 or 850-474-0970.
¹CashPlease is a borrowing feature included with most personal use Loyalty checking accounts. Any joint account holder must be 18 or older and enrolled in Online Banking to use CashPlease. With an eligible checking account open 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, overdrafts and return history. An active or recent bankruptcy or other legal process may disqualify you.
CashPlease is subject to terms and conditions on 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 up to $1,500 on business accounts. Although your credit score is not used to determine eligibility, once you borrow money using CashPlease, your account and activity will be reported to the credit bureaus. CashPlease may positively or negatively affect your credit score. The Courtesy Cash limit on your checking account is reduced when you have an outstanding balance on your CashPlease.
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 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.