All In Credit Union
Short-term loans of $200–$1,000 with a 28% APR, quick approval, and no credit check required. Easy application and funds delivered fast to your bank.
The Payday Assistance Loan by All In Credit Union offers a helpful solution for those needing short-term funds. With the CashPlease® program, borrowers can request between $200 and $1,000 at a 28% annual percentage rate (APR). The loan term is six months and there’s a flat $20 application fee, though military personnel are exempt from this fee. Importantly, you do not need to go through a credit check, and if approved, funds may hit your account in as little as 15 minutes.
How to Apply: Step by Step
- Ensure you have an eligible All In Credit Union checking account in good standing.
- Begin the application online, which is available 24/7.
- Fill out the required details and select your desired loan amount up to $1,000.
- Pay the $20 application fee upon submission unless you qualify for the MLA exemption.
- If approved, receive the funds to your checking account—potentially within minutes.
Key Advantages
One major benefit is the absence of a credit check, meaning your eligibility relies on your account standing rather than your credit score. This increases accessibility for many who might not qualify elsewhere.
In addition, the loan delivers funds very quickly—sometimes within just 15 minutes. This can be a real lifesaver when urgent expenses arise and timing matters.
Potential Drawbacks
The $20 application fee is assessed regardless of approval, which could be a downside if you’re not sure about being eligible. Furthermore, the loan amount is capped at $1,000 and only available to those with an eligible account.
Also, while the 28% APR is significantly better than payday loans, it’s still much higher than typical personal loans, which should be considered before applying.
Verdict: Is the Payday Assistance Loan Right for You?
If you need fast, short-term funds and want to avoid the extreme expense of traditional payday loans, this program from All In Credit Union is a much safer alternative. The simple application, no credit check, and quick funding make it appealing—just be sure the terms fit your needs and financial situation.