All In Credit Union
Borrow from $200 to $1,000 for up to 6 months at just 28% APR. Fast funding, no credit check, easy online application. Ideal for urgent money needs.
All In Credit Union’s Payday Assistance Loan, powered by CashPlease®, is an accessible solution for those needing quick cash. With borrowing amounts from $200 up to $1,000, a fixed 28% annual percentage rate, and no credit check required, this offer is tailored for emergencies. Each loan term spans up to 6 months and applicants face a $20 application fee, regardless of approval. Funding can often arrive in the user’s account within 15 minutes, providing much-needed convenience.
How to Apply: Step by Step
- Ensure you are the primary owner of an eligible All In checking account in good standing.
- Fill out the simple online application through their platform, available 24/7.
- Submit the required information; no credit report review is necessary.
- Pay the $20 application fee, except for qualifying Military Lending Act applicants.
- Upon approval, receive funds—typically within minutes—to your checking account.
Key Advantages
One standout pro is the accessibility: there is no credit check, so approval is not based on your credit score. This makes it especially helpful if you have less-than-perfect credit.
Another benefit is speed: applications are processed swiftly, and approved funds are deposited directly into your account, often in minutes. The simple digital application process is also available at any time.
Potential Drawbacks
The $20 application fee is non-refundable, even if you are not approved. While the 28% APR is low for payday loans, it is still higher than most personal loans from banks.
Additionally, your eligibility requires an All In checking account, and monthly repayment amounts may be challenging if your monthly budget is tight.
Final Verdict
All In Credit Union’s Payday Assistance Loan is a useful alternative to traditional payday loans, especially when you need funds fast and have limited credit options. While fees and rates are considerably lower than average payday lenders, be sure you’re comfortable with the repayment terms before applying.
