All In Credit Union
Short-term loans of $200–$1,000. No credit check. 28% APR, 6-month term. Quick online process, funds within minutes. $20 fee. Simple, accessible and affordable solution.
If you’re searching for a more affordable option than typical payday loans, the All In Credit Union Payday Assistance Loan with CashPlease® stands out. With a fixed 28% APR, loan terms up to 6 months, and amounts ranging from $200 to $1,000, this loan is a practical alternative to traditional payday advances. There’s no credit check required, and you typically receive funds in your account within 15 minutes of approval.
The application process is straightforward and entirely online, with no need to visit a branch. However, do be aware of a $20 application fee, which applies whether you’re approved or not, except if you qualify under the Military Lending Act.
How to Apply: Step by Step
Start by confirming you are the primary owner on an eligible All In Credit Union checking account in good standing. Prepare your basic financial details before you start.
Visit the online portal and initiate a CashPlease® application anytime—applications are accepted 24/7. Complete the requested information and choose your loan amount based on eligibility.
Review the loan terms to ensure you understand the 28% APR and six-month repayment window. Approve the application and pay the $20 application fee.
Upon approval, funds are generally available within minutes, but it might take longer after hours or during weekends and holidays. Payments are set up automatically through your checking account.
Pros: Features That Stand Out
The headline benefit is accessibility—borrowers can apply without a credit check, easing the process for those with less-than-perfect credit.
The 28% APR, though far from low, is a fraction of the 391% APR found with many payday lenders, making this a much more economical short-term solution.
Cons: Points to Consider
While the $20 fee is lower than typical payday loan fees, it’s charged whether or not your loan is approved or accepted, which can feel discouraging.
Your overdraft limit is also impacted if you have a CashPlease® loan, potentially limiting other options for covering unexpected expenses.
Our Verdict
The All In Credit Union Payday Assistance Loan is a solid choice for those needing quick cash at a reasonable rate compared to traditional payday lenders. Its lack of a credit check and fast funding make it especially convenient, but applicants should weigh the mandatory fee and overdraft implications before proceeding.