Premier America Credit Union
Borrow up to $2,000 instantly, no credit check, fixed 28% APR, 12-month terms, 24/7 online access. Quick application. Membership conditions apply.
Premier Easy Cash from Premier America Credit Union is designed for members who need fast access to cash without a credit check. With this option, you can borrow up to $2,000 for a fixed term of 12 months at a 28% APR. The minimum loan amount is $300, and there is a $20 application fee. Payments are made in fixed installments, and late fees may apply if you miss a payment by more than 10 days.
How to Apply Step-by-Step
- Sign into your online or mobile banking account.
- Complete the simple loan application form—no credit check required.
- Receive an instant decision.
- If approved, funds are deposited right away into your account.
Premier Easy Cash Pros
Access to funds is immediate and available around the clock, giving members flexibility for emergencies or surprise expenses. The application is quick and requires no credit check, which benefits those with damaged or limited credit history.
Consistent, on-time payments can help you build or improve your credit standing within the credit union’s reporting parameters. Plus, the simple qualification process will appeal to many looking for a hassle-free borrowing experience.
Premier Easy Cash Cons
The APR is significantly higher than prime personal loans, set at a flat 28%. The $20 application fee may also deter those borrowing smaller amounts.
Only members who have been with the credit union for at least three months and are in good standing are eligible. Additionally, the loan must be applied for online or via mobile banking—not in-branch.
Final Verdict
Premier Easy Cash is a convenient choice for qualifying credit union members who need quick cash but might not qualify elsewhere due to credit score concerns. Just be mindful of the APR and application fee before committing.