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Snap Cash

Whether you need a little extra cash for unexpected expenses, our Snap Cash loan can help!

Snap Cash is different. It’s a loan but no credit report or minimum credit score is required. Decisions are based on your relationship with MPECU not on your credit score. In less than 60 seconds, you can get money when you need it quickly and easily.


  • Loan amounts range from $500-$2,000
  • Terms up to 12 months
  • Decision in seconds
  • Proceeds deposited instantly into your MPECU account
  • Fast easy ONLINE ONLY application

Requirements and Eligibility

  • Must be a member for at least 90 days
  • Must have reoccurring direct deposit or other benefits
  • Must be 18 years or older and the primary (first listed) member on the account
  • No credit check or minimum balance credit score
  • Payments are drafted monthly from the account receiving the loan proceeds and on the date selected at the time of application
  • $15.00 non-refundable application fee*
  • 18.00% APR**
  • Only allowed one Snap Cash loan at a time
*Fee will be collected at the time of the application from your MPECU account and must be available funds. Fee will be collected regardless of loan decision
**APR=Annual Percentage Rate. Membership rules and restrictions apply. All loan applications are subject to review of eligibility and approval. The APR is accurate as of 10/04/2023 and is a fixed rate for the term of your loan.  The minimum loan amount is $500.00 with a maximum amount of $2,000.00 and is available to members who meet relationship and direct deposit history and other eligibility requirements. Membership of 90 days is required. The $15.00 application fee is collected at the time of the application and must be available funds. Loan is disbursed into your MPECU account and cannot be disbursed in a branch, by phone, or other means. If the loan is more than 15 days past due, there is a late fee of 5% of the payment amount.