All In Credit Union
Get quick short-term loans at 28% APR from ₦92,000 to ₦460,000 (200–1,000 USD), no credit check, cash in minutes, fast application, fixed rate!
If you need instant help with expenses before your next salary, the CashPlease Payday Assistance loan from All In Credit Union may be a solution. This loan is designed for borrowers who might not have access to traditional bank products, offering an accessible and simple application process. It features an annual interest rate of 28%, loan terms up to six months, and amounts between ₦92,000–₦460,000 (equivalent to 200–1,000 USD). Notably, there is no credit check required, making it approachable for many.
To qualify, you should have a primary eligible account in good standing with All In Credit Union. It is important to note that a ₦9,200 ($20) application fee is charged, regardless of loan approval. Military applicants may see this fee waived. Cash is often available in your bank account within 15 minutes, but it can take longer outside working hours or during holidays.
How To Apply: Step By Step
- Verify that you have an eligible All In Credit Union current account.
- Begin your application via the digital platform at any hour, any day.
- Specify your loan amount within the allowed range and submit your basic details.
- Review the proposed terms, including the interest rate and fees.
- Agree to the terms and complete your application process in minutes.
Main Advantages
The biggest advantage is the speed – approved applicants usually receive the money directly in their bank account within fifteen minutes. With no credit report review required, this loan is accessible, even for those with less-than-perfect credit.
The fixed 28% APR is much lower than most payday lenders and is regulated for fairness. There is also transparency, as all costs are outlined before acceptance.
Key Drawbacks
This loan, while more affordable than standard payday options, does involve a non-refundable application fee, regardless of whether the loan is approved or taken.
Additionally, you must be an existing customer of All In Credit Union, limiting access if you do not already have an account there.
Final Verdict
Overall, the CashPlease loan from All In Credit Union provides a credible, regulated alternative to high-cost payday loans, prioritising speed and fairness. It stands out for those in urgent need and could be a better choice than most commercial payday lenders, provided you meet membership requirements and can manage the associated fees.