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All In Credit Union
Short-term loans from $200 to $1,000, 28% APR, 6-month terms, $20 application fee, no credit check, and funds deposited in as fast as 15 minutes
All In Credit Union offers their Payday Assistance Loan through the CashPlease platform, providing a compelling alternative to traditional payday loans. This offer stands out for its transparency: the interest rate is capped at 28% APR, and applicants can borrow from $200 to $1,000 with no credit check required. The term lasts up to six months, and funds may be available in your account as soon as 15 minutes after approval. There is a non-refundable $20 application fee, though military applicants are exempt.
How to Apply Step by Step
- Check eligibility: You must be the primary owner of an eligible checking account in good standing at All In Credit Union.
- Complete the simple online application on the CashPlease platform, available 24/7.
- Select your desired loan amount—between $200 and $1,000—based on your needs.
- Submit your application; no credit report is pulled.
- If approved, review your loan agreement and accept funds, which are usually deposited rapidly.
Pros of the Payday Assistance Loan
This loan offers far better terms than many payday lenders; the 28% APR is a fraction of the nearly 400% that can be charged elsewhere. With no credit check, it’s accessible even if your credit is less than perfect.
Funds are often available within minutes, helping you tackle urgent cash flow issues without long waits. The whole process, from application to funding, is digital and available around the clock for your convenience.
Cons to Consider
The $20 application fee is unavoidable, even if your application is not approved or accepted. Additionally, only primary account holders in good standing are eligible, which may exclude some customers.
Your overdraft protection limit may also be impacted by the loan, which could affect how future transactions are handled if your balance runs low.
Final Verdict
If you need a small, short-term loan and want to avoid predatory payday lenders, All In Credit Union’s Payday Assistance Loan is worth considering. Its clear rates, rapid funding, and absence of a credit check set it apart from many competitors, making it a practical option for those in a temporary tight spot.
