All In Credit Union
Borrow $200-$1,000 with a 28% APR and no credit check. Quick approval, funds in as little as 15 minutes, fair fees, and a simple online process.
If you need fast cash but want to avoid expensive payday loans, the All In Credit Union Payday Assistance Loan may be a practical option. This loan offers convenient access to amounts ranging from $200 to $1,000 with no credit check required. The interest rate is an affordable 28% APR, and the loan term is six months. Borrowers pay a $20 application fee regardless of approval, but this is waived for those qualifying under the Military Lending Act.
How to Apply: Step by Step
- Ensure you are the primary owner of an eligible All In Credit Union checking account in good standing.
- Begin the application online anytime—applications are accepted 24/7.
- Choose the loan amount you need, from $200 up to $1,000.
- Submit your application and, if approved, receive funds in your account in as little as 15 minutes, though times may vary outside business hours.
- Pay the $20 application fee only once per application, regardless of approval or loan acceptance.
Key Advantages
The application process is hassle-free and available around the clock, adding to its accessibility. No credit report review eases the burden for those with credit challenges. The reasonable 28% APR is much lower than standard payday loan rates, which often exceed 300% APR. Funds are often accessible within minutes, helping applicants cover urgent expenses quickly and securely. Borrowing from a reputable credit union also offers peace of mind versus traditional payday lenders.
Potential Drawbacks
There is a $20 application fee that applies whether you are approved or not, which may deter some applicants. The product is only available to those with an All In Credit Union account in good standing. Also, the maximum borrowing amount is capped at $1,000, which may not meet the needs of all potential applicants. Overdraft limits may be impacted if you have an open CashPlease loan.
Final Verdict
Overall, the All In Credit Union Payday Assistance Loan is a more affordable, accessible, and safer alternative to traditional payday loans. Though the $20 fee is a consideration, the fast funding, no credit check, and reasonable rates make this a strong choice for anyone needing short-term funds. If you have a qualifying checking account, this option is worth serious consideration for any immediate financial need.
