CashIN
CashIN is a fast, easy and affordable small-dollar loan designed to help people handle unexpected financial challenges. Life happens – whether it’s an unexpected care repair, medical bill or any urgent expense, you don’t have to wait for lengthy loan approvals or deal with high-interest rate payday loans. That’s why CashIN offers a quick, convenient and responsible solution to help navigate life’s financial challenges with ease.
With no credit checks and instant approval, borrowers can access funds in as little as 60 seconds through a quick and user-friendly process. CashIN offers fair, transparent loans that help members avoid the high fees and risks of payday lending, while also providing flexible payment options that fit any budget. CashIN is all about providing responsible financial support for when life happens.
Why choose CashIN?
- Fast and simple process – 6 clicks in 60 seconds and your loan is decisioned.
- Affordable terms – fair, transparent loans with no hidden fees.
- Repayment flexibility – payment plans that fit your budget and lifestyle.
- No credit check.
Apply through the member’s online banking and receive loan decisioning instantly.
GreenPath
GreenPath Financial Wellness is the path to a brighter financial future. We believe everyone deserves a chance to live a financially healthy life. Whether you’re struggling with debt, trying to build better credit, or planning for the future, GreenPath is here to guide you every step of the way.
GreenPath Financial Wellness empowers people to take control of their financial health. Through personalized counseling and education, GreenPath helps members manage debt, improve credit, build budgets, and plan for a stable financial future. GreenPath has more approximately 200 financial counseling experts available six days a week who are committed to helping members make confident financial decisions and reach their life goals. Whether you’re looking to overcome debt, buy a home or simply build financial confidence, GreenPath financial counselors are here to support you every step of the way.
GreenPath counseling is completely free of charge to all Interra members seeking help with credit or debt issues.
What GreenPath Offers:
- Debt counseling – personalized planning to manage debt and achieve financial freedom.
- Budgeting assistance – create and stick to a budget that works for your lifestyle and goals.
- Credit report review – understand your credit report, boost your credit score and take control of your financial future.
- Housing counseling – support and advice for homebuyers, renters and those facing foreclosure to help navigate your housing journey.
Alternative Auto Lending
Interra’s alternative auto lending program is designed to provide safe, affordable and reliable transportation to borrowers who would not qualify for a traditional auto loan. Research has shown that providing vehicles to families who are struggling financially is one of the best ways to break the cycle of poverty.
This is a collaborative, community-based partnership with LaCasa, a nonprofit housing agency located in Goshen, Indiana. The loans are relationship-based, meaning that no credit score will be used to make a lending decision. Potential borrowers must have a working relationship with LaCasa and required to complete two educational courses prior to acceptance into the alternative auto lending program.
Loans are capped at $15,000 with preference given to vehicles purchased at auto dealers who are approved by LaCasa. All loans are on LaCasa’s books, but Interra Credit Union functions as the servicing agent, accepting loan payments and providing monthly statements to LaCasa. One of the primary metrics of success is to either establish or improve the borrower’s credit score.
Qualifications to apply for an alternative auto loan include:
- Existing relationship with LaCasa.
- No current vehicle.
- Credit score under 650 or no credit score at all.
- Completion of two educational courses at LaCasa:
- Lending Basics
- Licensing, registering and maintaining a vehicle
- Membership at Interra Credit Union.
Ready to apply? Application for an alternative auto loan must occur through Devon Swihart at LaCasa.
devon.swihart@lacasinc.net
574-533-4450
Community Impact Fund
Financial inclusion begins at home. At Interra Credit Union, we believe it is a fundamental responsibility to take care of our employees in the same way that we assist our members. In order to live out this value, the Interra Cares Foundation helped establish the Community Impact Fund for Interra’s own employees. The Community Impact Fund is a zero percent interest rate loan offered to Interra employees as a corporate benefit. Impact loans are designed to provide an alternative to taking out a payday loan or hardship withdrawal from the employee’s retirement account.
Employees must demonstrate a financial hardship in order to qualify for an impact loan. All underwriting, funding, payments and collections happen through the Community Impact Fund. Impact loans are typically repaid over a maximum of twelve months, and are set up to be automatically debited from the borrower’s bank account. This loan helps to bridge cash flow and pay emergency expenses without accruing extra fees or increasing high-interest debt.
The Community Impact Fund even provides a savings incentive match for any employee who establishes a savings account, and the fund will match their savings up to $500.
