Financial Plus Credit Union
Get instant access to up to $2,000 with no credit check and 24/7 online approval. Flexible, quick cash for emergencies or unexpected expenses.
Introducing the Ready Now Loan
The Ready Now Loan from Financial Plus Credit Union is designed for those who need fast access to funds without the traditional hurdles of credit checks. Members can borrow from $500 up to $2,000. The loan offers 24/7 instant approval through digital banking, and funds are deposited directly into your account.
There’s no credit check required to apply, making this loan particularly suitable for those with less-than-perfect credit histories. The Ready Now Loan requires Financial Plus CU membership, as well as at least three months of direct deposits averaging $500 per month. A $25 processing fee applies and will be added to the loan amount.
Loan amounts are limited to your monthly direct deposit amount or $2,000, whichever is less. Terms depend on your account status, and the offer may change or be discontinued at any time. This loan is best for short-term, emergency financial needs.
Simple Steps to Apply
Applying for the Ready Now Loan is straightforward and fast.
First, log in to your Financial Plus Credit Union digital banking account.
Next, select “Buy Now, Pay Later + Ready Now” from the menu options.
Then, follow the prompts to complete your application. Eligibility decisions and fund deposit happen instantly upon approval.
Make sure you meet the requirements: membership, account standing, and qualifying direct deposit history.
Key Pros of the Ready Now Loan
One stand-out benefit is the absence of a credit check, which opens the door for many who may otherwise struggle to access credit. Instant approval and quick funding are also strong positives.
The online, 24/7 application process means funds are available exactly when you need them, without unnecessary delays. These features make the Ready Now Loan highly convenient for urgent, unexpected expenses.
Potential Cons to Consider
The maximum loan limit of $2,000 may not be sufficient for all emergency needs, especially for larger unexpected expenses or substantial debt consolidation.
Additionally, there is a $25 processing fee added to the loan and membership with three months of qualifying deposits is required, which may limit immediate access for some.
Final Verdict
The Ready Now Loan by Financial Plus Credit Union is an accessible and simple solution for those needing quick cash up to $2,000, especially if you have less-than-ideal credit. While the loan won’t suit everyone—due to its ceiling and eligibility requirements—it stands out for immediacy and convenience. Consider your needs and financial status before applying.