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XtraCash Loan - an alternative to traditional payday loans
With an XtraCash loan from Mazuma, you can get the quick cash you need with lower rates than you’ll find with traditional payday lending companies.
Mazuma also provides discount options on your XtraCash loans and education to keep you out of the payday lending cycle.
How to get your XtraCash loan
Stop by your local branch to apply for your XtraCash loan. View the list below so you know what to bring with you.
What to Bring:
- Most recent pay stub if employed.
- Annual award letter if receiving Social Security or pension.
- Utility bill or other printed mail for address verification.
- Photo ID.
- Most recent 30-day Credit Union statement.
Requirements:
- Member of Mazuma Credit Union.
- At least 18 years old with a validated source of regular income.
- Have an open and active checking and/or savings account.
- Have a home phone or cell phone number.
- If receiving Social Security, the income must be for the Member.
XtraCash Loan Discounts/Fees
Mazuma already offers you lower rates than traditional payday lenders, but we also offer extra discounts to keep the cost of your loan low.
Discounts
- Receive a fee discount when you pay your loan through your Mazuma savings or checking account.
- Complete the ‘Managing Your Debt’ pre-test through MoneyCoach in our online Financial Education Center and receive an educational discount on your next XtraCash loan.
- Complete a MoneyCoach course and post-test in our online Financial Education Center and receive an educational discount on all XtraCash loans for the next six months.
Fees
Click here to review the XtraCash Fee Chart.
Financial Education
Financial Education is important to all of our Members, no matter their financial situations. That’s why we offer an online Financial Education Center.
If you’re caught in the payday lending cycle, we want you to know that in addition to our online Financial Education Center, we also have a financial education counselor and a Consumer Credit Counselor on staff to help you get out of the cycle. Call 816-361-4194, toll-free 888-361-4194, to schedule an appointment with a counselor.
Remember, you can get a discount on your XtraCash loan by completing a MoneyCoach test in our Financial Education Center.
Customer Notice: Payday advances should be used for short-term financial needs only, not as long-term financial solutions. Customers with credit difficulties should seek credit counseling.