CashPlease® is a small-dollar, short-term loan program designed to help OneUnited Bank checking account customers manage unexpected expenses without having to resort to high-cost payday loans or overdraft penalties.

How much can I borrow with CashPlease?

You can borrow between $200 and $1,000. The specific amount you qualify for is determined dynamically based on your OneUnited Bank checking account activity.

Does CashPlease require a credit check?

No, CashPlease loans are approved without a traditional credit check. Eligibility is based on your account activity and recurring deposit history with OneUnited Bank.

How long does it take to receive the loan funds?

Once your CashPlease application is approved, the loan funds are typically deposited into your checking account within 4 hours or less.

What are the repayment terms for CashPlease?

The loan is repaid in three monthly installments, which are automatically deducted from your checking account for convenience.

Get a No Credit Check Loan Up to $1000 with CashPlease

Need quick funds for emergency expenses? Apply 24/7 for a short-term, emergency no credit check loan.

Qualifications apply.

Open a Checking Account to Get Started.

Discover the OneUnited Difference.

Already have an account? Log in to apply inside Online Banking.

An Affordable Payday Loan Alternative

Life can throw curveballs, but we’re here to help you bridge the gap between paychecks and avoid costly overdrafts. Unlike traditional 90-day payday loans, CashPlease offers transparent interest rates and reports your repayments directly to credit bureaus to help you build credit.

Qualifications apply.

Access TheOne Digital Banking Solutions

Easy as 1-2-3

How to Get a CashPlease Loan in 3 Simple Steps

Get the Card.

Open a checking account online. CashPlease is only available to eligible checking account holders.
Sign Up

Get Active!

The more ACTIVE your account the higher the likelihood to be approved.

Some examples for activity:

Setup direct deposit (with 2-Day Early Pay!)
Add money to the account.
Have recurring deposits.

Choose CashPlease.

Get a CashPlease personal loan in the OneUnited Bank mobile app. Receive an instant decision. Although we do not use a credit check for decisions, we do report CashPlease payment history to the credit bureaus.