All In Credit Union
Short-term loans from $200 to $1,000 at 28% APR, 6-month terms, fast access, no credit check, and affordable fees. Get funds in your account quickly.
All In Credit Union’s Payday Assistance Loan provides a practical alternative to expensive payday lenders. With this lending option, applicants can borrow between $200 and $1,000 with an APR of 28% and a six-month repayment term. There’s no credit check required, and funds are generally deposited in your account within 15 minutes during business hours. There is a flat $20 application fee, and borrowers who qualify under the Military Lending Act are exempt from this fee.
How to Apply for the Payday Assistance Loan
- Ensure you’re the primary owner of a qualifying All In Credit Union checking account in good standing.
- Complete the loan application online at any time—applications are accepted 24/7.
- Select the loan amount you need, between $200 and $1,000, subject to approval.
- Submit your information and pay the $20 application fee (waived for MLA-eligible borrowers).
- If approved, funds are typically deposited into your account very quickly—even within 15 minutes.
Why Choose This Loan: Key Pros
One of the main highlights of the Payday Assistance Loan is that it’s far more affordable than traditional payday loans, which can have APRs close to 400%.
Additionally, there is no credit check, making this option suitable for borrowers who may not have perfect credit histories and need money quickly.
Points to Consider: Potential Cons
The loan is currently only available to primary owners of eligible All In Credit Union checking accounts, which may limit access for some applicants.
There is a non-refundable $20 application fee regardless of approval, which is important to budget for when applying.
Our Verdict: Who Should Consider This Loan?
This loan is recommended for individuals seeking a reasonable, regulated short-term borrowing option from a reputable credit union. It’s a solid choice for managing cash flow emergencies without resorting to predatory payday lenders.
Overall, the speedy application process, fair rates, and lack of a credit check make it a reliable solution for short-term financial needs, provided you meet the checking account requirements.