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Short-Term Lending

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Life happens, and sometimes you need extra help to get by. When you need access to cash quickly, options like payday loans or credit card cash advances seem like a good idea at the time, but they come with extra high interest rates and fees, costing you even more money! Our member's financial well-being is always our top priority, so we offer a quick cash loan alternative to help you out.

What is CashPlease?

CashPlease is a small-dollar payday loan alternative for current CapEd members. CashPlease is an affordable and responsible option for quick access to cash, and you'll pay less interest than traditional payday loans.

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Benefits & Features

  • Save on interest and no hidden fees
  • No credit check required
  • Borrow from $200 up to $1,000 (subject to eligibility restrictions)
  • 24/7 digital access with online application and loan signing
  • Cash deposited into your account within 24 hours

Is CashPlease Right For You?

To determine eligibility for a CashPlease loan, you must be a current CapEd member. Your account activity with CapEd determines approval and loan limits, not your credit score or history. An $18 non-refundable application fee is required when you apply, whether approved for the amount requested or not.

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The following is a list of some of CapEd's top member questions with answers to help you meet your needs faster:

Payday lending is typically a short-term, high-cost loan that is due by your next payday (two weeks). If you cannot pay back the loan by the due date, the payday lender can withdraw the funds from your bank account whether you have it or not. Or you'll have to keep borrowing, pay more fees, and deepen your debt further.

A credit card cash advance is when you can withdraw cash from your credit card balance. Cash advances are available at a higher interest rate and incur more fees. This can lead to higher monthly payments and the inability to pay down your balance, which can also damage your credit score.

CapEd offers a wide variety of lending options that could benefit you and your financial situation. Learn more about our different Personal Loan Options here.