All In Credit Union
Get a small-dollar short-term loan from $200–$1,000 with no credit check, 28% APR for 6 months, and fast funding—often in 15 minutes.
The All In Credit Union Payday Assistance Loan offers a practical solution for those facing short-term financial gaps. With loan amounts ranging from $200 to $1,000, this option aims to be more affordable than traditional payday alternatives.
Interest rates are capped at an annual percentage rate (APR) of 28%, and each loan term lasts six months. There is a one-time $20 application fee regardless of approval, except for active-duty military who qualify for a fee waiver under the Military Lending Act.
A major highlight is the rapid funding—often as soon as 15 minutes after approval, provided applications are submitted during business hours. No credit check is required, making this loan accessible to more applicants.
How to Apply
To get started, you need to be the primary owner of an eligible All In checking account in good standing. The application process is fully online and available 24/7.
First, access the online application portal and fill in your personal details and requested loan amount (from $200 up to $1,000). No credit report is pulled.
Next, review the loan terms, including the fixed 28% APR and the associated $20 application fee. Confirm your account information for deposit of funds upon approval.
Once your application is submitted, you will receive a decision quickly—often within minutes. If approved, funds are typically deposited to your checking account within 15 minutes (timing may vary after-hours).
If you meet eligibility criteria, the process is fast and straightforward. You aren’t obligated to accept the loan if approved, but the application fee still applies.
Benefits of the Payday Assistance Loan
The primary advantage is affordability. Unlike the typical payday loan—with APRs often near 400%—this solution offers a 28% APR, keeping costs manageable.
Another pro is accessibility. No credit check means even those with less-than-stellar credit histories are eligible, provided their All In account is in good standing.
The speed is a significant plus. Funds may reach your account within 15 minutes, providing instant relief during unexpected financial crunches.
Additionally, loan availability around the clock is convenient for urgent needs, and military personnel can avoid the application fee entirely if eligible.
Borrowers can smoothly manage repayment over six months, reducing the burden of traditional short-term lending cycles.
Considerations and Drawbacks
One downside is the mandatory $20 application fee, which applies whether or not your loan is approved or accepted, with the exception of military borrowers.
Eligibility is limited. Only primary owners of qualified All In checking accounts can apply, and some checking account types (like You Choose Checking) are excluded.
The maximum amount is capped at $1,000, so those needing larger sums may have to look elsewhere.
Your overdraft limit could be affected by an open CashPlease loan, potentially impacting available funds or other banking features.
Funding may be delayed on weekends or federal holidays, which could be critical if immediate access is needed outside business days.
Final Verdict
The All In Credit Union Payday Assistance Loan stands out for its reasonable rates, lack of credit check, and quick funding. For eligible account holders, it’s a smart alternative to traditional payday loans—especially for those seeking modest sums with clear repayment terms. However, the $20 application fee and membership requirement should be weighed carefully.