Skip nav to main content.

Payday Loan

Quick & Easy Snap Cash

  • 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

    Snap Cash Loan

    Need a small loan to hold you over before your next pay day? Don’t take out a loan from a cash advance store with outrageous interest rates. Astera has you covered with our new pay day alternative loan, Snap Cash!


    • Loan Amount: $500 min – $1,000 max
    • 24.99% APR*
    • 6-month repayment term aligned with member’s payroll schedule
    • No more than 3 loans in a six-month period, 6 total per year allowed (Any request for a fourth loan within a 12-month period of time will require a meeting with one of our Financial Counselors)
    • No credit pull


    • Must be a member with an active account history of 6 months or longer
    • Must have an active direct deposit or history of payroll deposit of $1,000 or more for a period of 6 consecutive months with no gaps in pay
    • Snap Cash Loans may not be refinanced and must be paid in full in order to qualify for subsequent Snap Cash Loans.
    • Previous delinquent loan payments or negative account balances may result in denial of loan

    "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.
  • Rates


    Snap Cash

    6 Months 24.99%APR*

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

  • FAQs

    Frequently Asked Questions

    Astera Credit Union does offer Personal Loan and/or debt consolidations for our members to consolidate bills and pay off other debts.  There are several options available to most members.  This may include personal loans, home equity loans/lines, or even a first mortgage.

    If you would like to discuss options before applying, simply call a Member Service Representative at 517-323-3644.

    If the funds are in an Astera account, you are able to utilize Online Banking in order to process the payment. A payment can be made by transferring funds to the appropriate loan.

    If the funds are in a financial institution other than Astera, you cannot make payment through Astera’s Online Banking. You can however, use the external financial institution’s Bill Pay service to make online payments. Or you can Make a Payment using our ACH tool. For future use, this link can be found under our Services tab.

    Astera's Audio Banking gives the member banking over an automated phone service. There is only one simple application to complete. Choose your four-digit personal identification number (PIN), and you're ready to go. Use any touch-tone phone and perform a variety of transactions including loan calculations. Once you have your PIN, you can access Audio Banking by calling toll free at 1-888-222-8868. To view our Audio Banking Guide, click here.

    You are also able to utilize Online Banking or Mobile Banking in order to process the payment. A payment can be made by transferring funds to the appropriate loan. These payment methods are free of charge!

    To contact us please submit a question using the button below. A Member Service Representative will get back to you as soon as possible. Or, you can contact us at 517-323-3644.

Snap Cash will help alleviate stress in a snap!

With reasonable rates and a flexible repayment schedule, what are you waiting for?

Apply now

*APR=Annual Percentage Rate. Rates and monthly payments are fixed and 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.