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SnapCash Loan

SnapCash Loans are available but applications must be submitted in-branch or over the phone.

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

    Whether you need a little extra cash for college, groceries, an emergency car repair, or anything in between, a SnapCash loan can help.

    Details

    • Loans up to $2,000 with up to a 12-month term**
    • Minimum loan amount $200
    • Must be a member for 6 months or longer
    • Must be 18 years or older
    • 24.99% APR interest rate*
    • Must have direct deposits of at least $1,000/month

    "I don’t believe that I could have achieved what I have in the last couple years without the help I’ve received through my financial institution."

    Brian C.

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  • Rates

    Private: SnapCash

    TermRate*
    Up to 12 Months 24.99% APR*

    *APR=Annual Percentage Rate. Rates and term are subject to change without notice.

  • Frequently Asked Questions

    SnapCash Loans are perfect for quick loans to help you get by until your next paycheck. You can apply over the phone or in-branch.

    Use SnapCash Loan to:

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

    Requirements:

    • 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 Astera a Division of 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 Counseling SME
    • 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 PAL
    • No deviation from the allowable loan limits ($200-$2000)
    • Loan will be fully amortized
    • Loan term will be up to 12 months, allowable term based on loan amount, and no pre-payment penalty

     

    SnapCash loan applications can be made over the phone or by visiting a branch and applying in person.

Snap Cash is available in branch of over the phone

Visit your nearest branch to apply!

Find My Closest Branch

*APR=Annual Percentage Rate. Rates are fixed; monthly payments are subject to loan term length. Rates and terms are subject to change without notice. Please contact Astera Credit Union for latest rates. 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.