Financial Plus Credit Union
Get up to $2,000 instantly with no credit check. Easy online process, quick deposit, and 24/7 instant approval. Perfect for unexpected expenses.
The Ready Now Loan from Financial Plus Credit Union offers a unique solution for those needing emergency cash. You can borrow up to $2,000 with instant 24/7 approval. Unlike many options, there is no credit check required. While specific rates are not prominently advertised, a $25 processing fee applies, and you must be a credit union member. Eligibility requires qualifying direct deposits of at least $500 per month for three months.
How To Apply for the Ready Now Loan
- Log in to your Financial Plus digital banking account
- Select “Buy Now, Pay Later + Ready Now”
- Complete the application steps in the menu
- Upon approval, funds are deposited into your account immediately
Advantages
One major benefit is no credit check, which is helpful for those with less-than-ideal credit. The application is entirely online and available 24/7. Moreover, funds are instantly deposited, giving you access when you need it most.
Potential Drawbacks
On the downside, you must be an existing member with regular qualifying deposits. Loan amounts max out at $2,000, limiting support for larger financial needs. Additionally, a processing fee is added to the loan, which raises your total cost.
Verdict
If you’re seeking fast, hassle-free funds in an emergency or for unexpected expenses, the Ready Now Loan fits the bill. However, it’s best for Financial Plus Credit Union members who regularly use direct deposit and don’t seek high loan amounts. The lack of a credit check is a strong plus for many seeking quick cash access.
