All In Credit Union
Get short-term loans from ₦93,000 to ₦465,000, 28% APR, no credit check, fast fund delivery and only a ₦9,000 one-time fee. Designed for quick approval and convenience.
The Payday Assistance Loan from All In Credit Union stands out for those needing quick cash. With a 28% annual percentage rate (APR) and loan amounts from ₦93,000 to ₦465,000, it is designed for accessibility. The loan lasts up to six months and features a simple, no-credit-check application process. You pay a flat ₦9,000 application fee regardless of approval, but active military applicants are exempt. This loan is available 24/7, with cash often transferred to your account within fifteen minutes, making it a strong alternative to traditional payday lenders with sky-high interest rates.
How to Apply for the Payday Assistance Loan
- Make sure you have an eligible All In Credit Union checking account in good standing.
- Access the All In Credit Union loan portal at any hour of the day.
- Complete the simple online application form. No credit history review is required.
- Pay the one-time application fee of ₦9,000. Military applicants may be exempt.
- Receive a decision quickly, often within minutes, and get funds as fast as 15 minutes after approval.
Advantages of All In Credit Union’s Payday Assistance Loan
This loan offers more reasonable fees and interest rates than typical payday lenders, making it more manageable to repay. The application process is fully online, available 24/7, and does not require a credit check. If you need emergency funds and want peace of mind borrowing from a trusted institution, it is a compelling option.
Additionally, funds are often released promptly, giving you access to cash precisely when you need it most. This fast turnaround can be invaluable in stressful situations.
Downsides to Consider
The application fee is charged whether approved or not, which could be discouraging to some borrowers. Also, you must be an account holder with a checking account in good standing, limiting access if you do not already bank with them.
Funds may also be delayed during non-business hours or holidays, which is something to bear in mind if your need is urgent.
Final Verdict
All In Credit Union’s Payday Assistance Loan provides a straightforward alternative to high-cost payday loans. While there is a non-refundable application fee, the accessible process, fairer rates, and fast approval make it one of the better options for short-term cash needs.