Financial Plus Ready Now Loan
No credit check, up to $2,000, instant online approval, and cash in your account 24/7—perfect for urgent expenses and guaranteed fast access for members.
The Ready Now Loan from Financial Plus Credit Union targets individuals who need quick cash, regardless of their credit history. This unsecured loan allows borrowers to request up to $2,000 with the benefits of no credit check and 24/7 instant approval. The low minimum for qualifying—$500 in average monthly deposits for three consecutive months—makes it accessible to many members. While the precise interest rate is not disclosed, a $25 processing fee is clearly stated. Only one Ready Now Loan is permitted per member, and funds are typically deposited immediately upon approval.
How To Apply: Step by Step
- Log in to your Financial Plus digital banking account
- Select “Buy Now, Pay Later + Ready Now” from the menu
- Complete the application prompts and submit
- Receive instant approval (if eligible) and get your funds immediately
Pros of the Ready Now Loan
This loan is ideal if you’re facing a financial emergency and have limited credit options. Approval does not depend on your credit score, ensuring inclusivity.
Digital banking makes the process quick and easy. With instant funding, you can cover expenses immediately, anytime—day or night.
Cons of the Ready Now Loan
One notable downside is the $25 processing fee, which could feel high for smaller loan amounts. Additionally, the maximum loan is $2,000, limiting its usefulness for bigger expenses.
Borrowers must be existing members and meet direct deposit requirements, restricting access for new customers seeking immediate help without recent deposit history.
Final Verdict
The Ready Now Loan is a solid choice for members needing rapid cash for emergencies. Its no-credit-check policy and 24/7 funding access make it highly convenient, but the loan remains capped and requires qualifying deposits. Consider the Ready Now Loan as a flexible and simple tool for urgent, smaller expenses.
