All In Credit Union
Get cash fast with rates capped at 28% APR, loan amounts up to $1,000, no credit check required. Simple 6-month repayment and quick approval in minutes.
The All In Credit Union Payday Assistance Loan offers a helpful alternative to traditional payday lenders. This loan, powered by CashPlease, lets you borrow between $200 and $1,000. Rather than facing sky-high APRs, you get a capped rate of 28% for a six-month term, ensuring affordable repayments for short-term needs. No credit report review is required, making it accessible to those with limited or poor credit history. A one-time $20 application fee applies, except for Military Lending Act qualifying borrowers. Funds can be available in your checking account in as little as 15 minutes, making this a fast and reliable option for emergency expenses.
How to Apply: Step-by-Step
- Ensure you are the primary owner of a qualifying All In Credit Union checking account in good standing
- Visit the application page
- Choose your loan amount between $200 and $1,000
- Complete the application form—no credit check involved
- Pay the $20 fee and submit the application
- If approved, funds are deposited promptly, usually within 15 minutes
Pros: What Stands Out
This loan stands out for its transparent, reasonable pricing. With a 28% APR, it is far less expensive than typical payday loans, many of which reach 391% APR or higher.
Approval does not require a credit pull, so your credit score will not be impacted, making it a great option for borrowers looking to avoid a hard inquiry.
The rapid funding—often in minutes—offers peace of mind when cash needs are urgent. It’s also issued by a trusted financial institution, not a faceless payday shop.
Cons: What to Watch Out For
The $20 application fee is charged whether or not you accept or are approved for the loan, so be certain before applying.
Not everyone is eligible—only All In Credit Union checking account holders in good standing can apply, so new customers may face extra steps.
Verdict: Is It Worth Considering?
The All In Credit Union Payday Assistance Loan offers a balanced mix of fair rates, fast funding, and simple qualification. While it’s not fee-free, costs are transparent and much lower than most payday alternatives, with no hidden traps. For those who need quick access to funds and qualify, it’s a solid and responsible choice over high-cost payday lenders.
