All In Credit Union Payday Assistance Loan: Fast Access, No Credit Check, 28% APR

All In Credit Union’s Payday Assistance Loan, offered via CashPlease, gives members a fast and simple way to get emergency funds. Borrow amounts range from $200 up to $1,000. The interest rate is a straightforward 28% APR. The term is six months and there’s a $20 application fee charged whether you qualify or not, although active military borrowers may be exempt.

Rather than rely on traditional payday lenders that charge sky-high rates—often close to 400% APR—this credit union solution offers affordability and transparency. The loan can be requested 24/7, with approval generally in minutes and funds typically available within 15 minutes during business hours.

How to Apply: Simple Step-by-Step

1. Verify you’re the primary owner of an eligible checking account at All In Credit Union.
2. Gather your account information and any identification you’ll need.
3. Visit the designated loan application page and select the Payday Assistance Loan option.
4. Fill out the application—no credit report needed.
5. Pay the $20 application fee and submit your request to receive a decision, usually in minutes.

Pros: Main Advantages

One major benefit is that there’s no credit check, making this loan accessible to those with less-than-perfect credit. Funds are typically deposited quickly, sometimes within 15 minutes, so you can address financial emergencies without delay.

The fixed 28% APR is substantially lower than what you’d expect from standard payday lenders, meaning you won’t face outrageous finance charges. The six-month repayment term also gives borrowers flexibility in repayment.

Cons: What to Consider

The $20 application fee applies whether your application is approved or denied, which can be challenging if you’re unsure of approval. Additionally, only members of All In Credit Union with eligible accounts can apply, excluding some potential applicants.

Another point to consider is that taking out a CashPlease loan can impact your overdraft limit, so be sure to budget carefully and review all terms before applying.

Verdict: Is It Worth It?

Overall, the All In Credit Union Payday Assistance Loan is a viable option if you need a small loan fast and want to avoid the predatory rates of traditional payday lenders. For current members, it offers clear terms and rapid access to funds—just be mindful of the non-refundable fee.