All In Credit Union
Get quick access to $200-$1,000 with an APR of 28%, no hard credit check, and funding typically available in your account within minutes.
If you’re looking for a way to handle short-term cash needs without resorting to sky-high payday interest, the Payday Assistance Loan from All In Credit Union is worth a look. With their CashPlease® program, you can access $200 to $1,000 loans at a 28% APR, with a flat $20 application fee. The loan term is 6 months, and there’s no hard credit check required—a big plus for those with less-than-perfect credit. Loans are generally funded within 15 minutes, but may take up to 24 hours during weekends or holidays. To qualify, you need to be the primary owner of an eligible All In checking account in good standing.
How to Apply: Step by Step
- Ensure you have an eligible All In Credit Union checking account in good standing.
- Head to the CashPlease® application portal.
- Submit your request for $200 to $1,000. No credit check is done.
- Pay the $20 application fee. There is no fee for Military Lending Act applicants.
- Wait for your funds. Typically, they’ll land in your account within minutes.
Pros of the Payday Assistance Loan
The major benefit is affordability. With a 28% APR, this loan is far less expensive than typical payday loans, which can exceed 390% APR.
Convenience is another strong point. The application is available 24/7, and most applicants see cash deposited within 15 minutes, making it ideal for urgent needs.
Cons to Keep in Mind
The $20 application fee applies whether you’re approved or decline the loan. This fee adds to the overall borrowing cost, especially for smaller loans.
Additionally, you must be an All In Credit Union member with a qualifying checking account, which means new customers will need to open an account first.
Verdict: Should You Consider It?
All In Credit Union’s Payday Assistance Loan offers a much-needed alternative to predatory payday loans. While the $20 fee and membership requirement are notable, the competitive rate, rapid funding, and no-credit-check make it a strong choice for those needing quick, small-dollar loans from a trusted institution.
