All In Credit Union
Get quick access to small-dollar loans up to $1,000 with a 28% APR, no credit check, and funds available the same day. Easy, transparent application.
If you’re searching for a quick way to handle cash emergencies, the All In Credit Union Payday Assistance Loan could be the solution you need. It offers borrowing amounts from $200 up to $1,000 with a 28% APR and a term of 6 months. The application process requires no credit check, making it accessible even for those with less-than-perfect credit.
The $20 application fee applies to every applicant unless covered under the Military Lending Act, and fund disbursal can happen within 15 minutes during business hours. Keep in mind, you must be the primary owner of an eligible All In checking account in good standing to be eligible.
How to Apply: Step by Step
- Visit the All In Credit Union website
- Select the Payday Assistance Loan or CashPlease service
- Log in to your eligible account
- Complete the short application form
- Submit and wait for a decision
Most decisions are instant, and if approved, you’ll see the money in your account, often within minutes or by the next business day at the latest.
Pros of the Payday Assistance Loan
One of the biggest advantages of this loan is the fast approval and funding. Qualified members can access cash when they need it most, without long waits.
Additionally, unlike typical payday lenders who may charge an APR of over 390%, the 28% APR is much more manageable. There’s no credit check, so your credit score won’t impact your eligibility.
Cons to Keep in Mind
The loan carries a $20 application fee regardless of approval. This fee might deter some applicants, especially if you’re applying for smaller loan amounts.
Also, only primary account holders with accounts in good standing are eligible. Not everyone can benefit if they don’t already bank with All In Credit Union.
Verdict: Is It Worth Considering?
If you’re already a member and need short-term cash fast, this loan is a fair option with clear terms and lower cost compared to payday lenders. However, consider your repayment plan first, and know that eligibility requirements limit access for some.