Life’s curveballs don’t discriminate. They can strike at any time, leaving you scrambling for quick cash and facing the allure of predatory payday loans. These “quick loans” often come with crippling interest rates (up to 450%) and hidden fees, trapping you in a cycle of debt.

But there’s a smarter way. Learn how to get a quick loan without risking your long-term financial well-being with The District Credit Union’s Quick Fix Loan. With a simple online application, you can access funds without the hassle of traditional loans or the predatory practices of payday and cash advance lenders.

Here’s the difference:

  • Speed: Apply online.
  • Affordability: Lower interest rates (18% APR) compared to payday loans.
  • Transparency: No hidden fees, upfront terms you can trust.
  • Flexibility: Choose your repayment schedule.

The Quick Fix Loan is designed to help you get back on track. In the next section, we’ll delve deeper into how it works.

Quick Fix Loan: Your Financial Lifeline, Explained

Let’s break down the specifics of the Quick Fix Loan and shed light on how it can become your financial lifeline during unexpected times.

What It Is

Think of the Quick Fix Loan as a helping hand, a short-term, unsecured loan designed to bridge the gap between unforeseen expenses and your next paycheck. It’s not meant for major purchases or long-term debt consolidation, but rather for those urgent situations where a quick cash injection can make a world of difference.


To qualify for the Quick Fix Loan, you must be a member of The District Credit Union with a checking account and be at least 21 years old. Membership is easy and opens doors to a variety of financial services and resources. As a member, you should also comply with the following requirements to be eligible: 

  • Not have a current Overdraft Protection Loan.
  • Have an open Checking Account active for at least 60 days with continued usage (for new accounts) or in good standing for at least 90 days (for existing accounts). This means no delinquent loans, negative shares nor usage of other payday lenders, members should also never have caused a loss to The District Credit Union.
  • To be at least 6 months employed within the same industry or trade.
  • Have a verifiable minimum monthly gross income of $1,000 USD.
  • Have maximum 3 Quick Fix Loans per a rolling 6 month period. 

Loan Terms

The Quick Fix Loan offers a minimum amount of $200 and a maximum of $570, which includes a built-in $50 savings bonus and a $20 application fee (non-refundable). If this is your first loan with us, the maximum amount is $350 (including $30 of savings bonus and the $20 application fee). You’ll have 90 days to repay the loan, with a manageable 18% APR interest rate – a far cry from the exorbitant fees and rates of payday lenders. In addition, we won’t ask for collateral nor check your credit score!

Flexible Repayment

You get to choose your repayment schedule! Opt for monthly installments for a longer timeframe, or choose biweekly or weekly payments to conquer the loan faster and reduce overall interest paid.

Built-in Savings

Remember that $50 we mentioned? Upon approval, we deposit 10% of your loan amount into your share savings account (which is put on hold), the interest earned in the savings account will be yours once the loan is fully repaid. It’s your reward for responsible borrowing. 

You may also ask to have this amount go to a separate savings account if you wish to keep your money separate

Simple Online Application: How to Get a Quick Loan… Responsibly

Our online application process is designed with simplicity and speed in mind. Just follow these 3 easy steps:

  1. Navigate to our website, look for our Quick Fix Loan section and find the dedicated application page. Or simply click on the previous link.
  2. Enter your information: Fill out the form with basic details like your name, contact information, and desired loan amount.
  3. Review and submit: Double-check everything, hit submit, and relax – our team will work quickly to review your application.

Additional Considerations

Please be aware that, if you have Courtesy Pay on your account, this will be suspended during the term of the Quick Fix Loan.

The Quick Fix Loan is designed to be a responsible solution, not just a quick fix. We encourage you to borrow only what you truly need and stick to your chosen repayment schedule.

Beyond the Fix: Building Long-Term Stability

While the Quick Fix Loan is there to assist with temporary needs, it’s equally important to build financial resilience for the future. Here are some smart planning tips to consider:

  • Budgeting Basics: Track your income and expenses to identify areas where you can save. Create a budget that works for your lifestyle and stick to it! Try our budgeting resources.
  • Emergency Fund: Aim to build an emergency fund to cover unexpected expenses without relying on loans. Start small and gradually increase your savings over time.
  • Debt Management: If you have existing debt, explore debt management strategies to reduce your interest rates and pay off your loans faster.

By proactively planning and building financial habits, you can reduce your dependence on short-term loans and achieve long-term financial stability.

Beyond the Loan: Why Choose The District Credit Union?

The Quick Fix Loan is just one piece of the financial puzzle we offer at The District Credit Union. We believe in building long-term partnerships with our members, focusing not just on immediate needs, but on empowering them to achieve their financial goals. 

Your Financial Wellbeing is Our Priority

We’re financial educators and advocates. We offer a range of products and free resources, from budgeting workshops to one-on-one financial counseling, to help you make informed decisions and build a healthy financial future. Financial literacy is at the core of everything we do. We believe in transparency and fair terms across every product we offer.

Beyond Quick Fixes: A Loan for Every Need

Life is full of exciting milestones and unexpected turns. We are here to support you at every stage with a diverse range of loan options, including Vehicle Loans, Home Loans, and more.

Building Up Your Community

We actively support local initiatives, invest in educational programs, and champion financial literacy throughout the Aurora region. When you choose The District Credit Union, you’re not just investing in your own financial future, you’re investing in the well-being of our community as a whole.

Conclusion: Your Smarter Financial Future Starts Now

Life throws curveballs, but that doesn’t mean you have to swing at every pitch. When unexpected expenses arise, the Quick Fix Loan from The District Credit Union stands as a responsible alternative to payday and cash advance loans.

Ready to take control?

  • Visit our website to learn more about the Quick Fix Loan and other financial resources.
  • Apply online in a few simple steps and experience the difference of working with a trusted credit union.
  • Contact us if you have any questions or need guidance.

Your financial future is yours to design. Choose The District Credit Union as your partner and start building a path towards lasting stability, one smart decision at a time.