All In Credit Union
28% APR, borrow $200-$1,000, fast approval, no credit check. Perfect for quick, safe cash with a local credit union you can trust.
All In Credit Union offers a Payday Assistance Loan through the CashPlease® platform, providing a convenient solution for short-term cash needs. Borrowers can access amounts ranging from $200 to $1,000. Notably, this loan does not require a credit check. Annual Percentage Rate (APR) sits at a competitive 28%, far less than most payday lenders that frequently top 390% APR. Loan terms are up to 6 months, and an application fee of $20 applies, except for military members covered by the Military Lending Act. Funding typically arrives in your account within 15 minutes, though processing may take longer outside business hours.
How to Apply: Step by Step
Applying for the Payday Assistance Loan is straightforward. First, ensure you are the primary owner of an eligible All In checking account in good standing. Then, access the application portal online and complete the requested form. Upload any necessary verification details. Submit your application and pay the $20 fee, regardless of approval outcome. If approved, funds may be deposited within 15 minutes or the next business day.
Key Pros of the Loan
The biggest advantage is the much lower APR compared to standard payday loans, helping borrowers save substantially on costs. Additionally, accessibility is enhanced thanks to 24/7 online application with no impact to your credit report. Fast funding directly to your checking account is another strong perk, ideal for urgent needs.
Main Cons of the Loan
The $20 application fee is charged even if your loan is denied, which reduces appeal for some. Also, loan eligibility is restricted to primary owners of a qualifying All In Credit Union checking account, excluding some potential borrowers. The loan may also affect your overdraft limit.
Our Verdict
For those who qualify, All In Credit Union’s Payday Assistance Loan through CashPlease® is an excellent alternative to high-cost payday lenders. With its low fixed APR, fast funding, and no credit check, it stands out as a safer, more affordable option for temporary financial relief.