The Ascentra Credit Union is a personal loan from Ascentra Credit Union. The ongoing APR is CashNOW loans are for $300 - $2,000 at 21% APR. Typical credit limit: Short-term loan up to $2,000 ($300 - $2,000). Loan terms: $300 - $1,000 12 months; $1,000.01 - $1,500 18 months; $1,500.01 - $2,000 24 months.