All In Credit Union
Access $200-$1,000 at just 28% APR, no credit check needed, and get funds in as little as 15 minutes. A practical solution for short-term cash needs.
If you’re in urgent need of quick cash, All In Credit Union’s Payday Assistance Loan can offer a far more affordable alternative to traditional payday loans. With this option, you can borrow between $200 and $1,000 at an annual percentage rate (APR) of just 28% with no credit report review required. Plus, approval and funding can take as little as 15 minutes during business hours, making it a speedy solution for short-term financial challenges.
This loan features a flat $20 application fee (waived for qualified military personnel). The maximum loan term is six months, and monthly payments are predictable and transparent. Funds are typically available within 15 minutes, though delays may occur after hours or on weekends.
With an APR capped by the National Credit Union Administration, this loan is designed to be much more manageable than traditional payday advances—some of which carry APRs nearing 400%.
Step-by-Step: How to Apply
- First, confirm that you are the primary owner of an eligible All In checking account in good standing.
- Visit the All In Credit Union loan application web portal and select Payday Assistance Loan.
- Fill out the application form with your basic information and desired loan amount ($200-$1,000).
- Pay the $20 application fee and submit your request. No credit report check will be conducted.
- If approved, funds are typically deposited into your account within 15 minutes.
Key Advantages
The most notable advantage of this loan is the 28% APR, which is dramatically lower than most payday lenders. Cash is distributed quickly, often the same day.
There’s also no credit check involved, which makes this loan accessible even if your credit isn’t perfect. Application is available online 24/7 for maximum convenience.
Potential Drawbacks
There’s a $20 application fee charged regardless of loan approval or acceptance. Most other personal loans don’t have an upfront application fee.
Additionally, you must already have or open an eligible All In Credit Union checking account, which may not suit those looking for loans from other banks.
Final Verdict
All In Credit Union’s Payday Assistance Loan is an excellent choice if you need a quick, small-dollar loan and want to avoid the extreme costs of traditional payday loans. While the $20 fee is a consideration, the reasonable APR and fast access offset this for many borrowers looking for a safer, hassle-free lending option.
