What is AU Quick Cash?

When life happens, First Californian (a division of American United) is here to help. This new personal loan product provides money into your bank account in just minutes… anytime, anywhere. The application process is 100% completed online and available 24/7. Loan amounts from $200 to $2,000 are offered with repayment terms up to 12 months. There is no credit check required for this specific loan because approval is based on your member relationship history with us.

What should it be used for?

Unexpected emergencies that require cash immediately. Especially for situations that happen outside of regular business hours, over the weekend, or even while travelling away from home. Meant as a last resort, this loan is here to help you for any reason, when you are out of time and options.

In addition to emergencies, AU Quick Cash should be considered as an alternative to higher rate, predatory lending payday loans. As a member of First Californian, you have established a financial relationship with us, one that we are able to use for non-credit based approval on this specific type of personal loan. You work hard, and we are here to help you find ways to end the negative cycle of higher rate payday loans.

What to consider before applying?

If you have enough time to meet with us during regular business hours, please do so before applying online for this AU Quick Cash loan. First Californian offers a variety of personal loan products and we’d be delighted to have the opportunity to understand your situation and provide the best personal loan option for you.

Please note that there is a $20 non-refundable application fee that will be withdrawn from your account if you apply. Additional loan requirements, details, and resources are provided below and meant to help you determine if applying makes sense for you.

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Application Requirements

  • Must be 18 years or older
  • Must have at least 3 months of membership
  • Must be the primary account owner
  • Must have a recent deposit history into your account
  • Must use your physical address (not mailing) when applying
  • Members can only have one AU Quick Cash loan at a time
  • $20 non-refundable application fee*
  • Must be in Good Standing**

*A $20.00 application fee will be deducted from your account at the time of your loan funding. If your loan request is denied, cancelled, or withdrawn, the fee will be deducted from any of your accounts as agreed in your Membership Agreement and Disclosures.

**When evaluating your application, a loan decision takes into consideration your membership, including factors such as payment history, deposit activity, length of relationship, number of financial products, direct deposits, number of electronic transactions, and loan amount qualifier.

You will be denied and a $20 non-refundable application fee will be charged if
  • You have applied for an AU Quick Cash loan within the past seven days
  • You have a current existing AU Quick Cash loan at the time of request
  • You have had three AU Quick Cash loans within a six-month period
  • You have had a Loan Modification completed through the collections department
  • You have delinquent loans or negative savings accounts
  • You have had a loan modified by the collections department
  • You have caused First Californian a loss in the past
  • Your services or membership is limited by American United
  • First Californian accounts included or discharged in a bankruptcy
Account types not eligible
  • Fiduciary (UGMA, Representative Payee, Estate, Conservator)
  • Trusts as primary member
  • Youth
  • Business
  • Associations
  • Organizations
  • Other similar specialty accounts

Loan Details

  • 100% Online Application
  • 24/7 access & funds available in minutes
  • No credit check required
  • 27.50% APR* fixed interest rate
  • $200 to $2,000 loan amounts (based on approval)
  • 3, 6, 9, & 12 month loan repayment terms (based on approval)
Repayment Schedule




$200 to $300

3 months

$70 to $105 range

$301 to $800

6 months

$55 to $145 range

$801 to $1,000

9 months

$100 to $125 range

$1,001 to $2,000

12 months

$97 to $193 range

*APR = Annual Percentage Rate. 27.50% APR is effective December 18, 2023 and is subject to change. Example: For a $2,000 AU Quick Cash Loan with a term of 12 months at 27.50% APR, the monthly payment will be $192.52. Loan amount and term length is based on approval.

Additional Resources

AU Quick Cash vs. Payday Lender

Average Product Comparison

AU Quick Cash

Payday Lender




Payback in full

6 months

14 days

Loan Fee




Funds Immediately

Funds Delayed

Credit Check

No Credit Check

Credit Check Required

Decision Making

Relationship Based

Income Based

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When there is more month than money... this emergency short-term personal loan could not be any easier! If approved, you'll have money in your account in minutes and the 28% APR fixed rate is much lower than a 400% rate payday loan.

Chris W.