Financial Plus Credit Union
Borrow up to $2,000 instantly with no credit check and instant 24/7 approval. Funds are deposited directly for fast access to essential cash needs.
The Ready Now Loan from Financial Plus Credit Union is an accessible, fast solution for those needing funds to cover unexpected expenses. The key highlight is that no credit check is required, which can be a significant advantage for borrowers with less-than-perfect histories. The loan offers amounts up to $2,000, with instant approval available 24/7, and the funds are deposited directly into your account. A $25 processing fee applies, and you must have a minimum of six months of direct deposit history with the credit union. The terms are flexible, but you must maintain qualifying deposits averaging $500 per month for three months to be eligible.
How to Apply for the Ready Now Loan
- Log in to your Financial Plus Credit Union digital banking account.
- Select “Buy Now, Pay Later + Ready Now” in the menu options.
- Complete the straightforward application following on-screen prompts.
- Receive approval instantly, any time of day or night.
- Get your funds deposited quickly and securely into your account.
Advantages of the Ready Now Loan
Ready Now Loan stands out for its simple qualification process, especially the absence of a credit check. This feature offers a rare chance for many who might struggle with traditional lending options.
Additionally, instant approval and rapid fund disbursal give peace of mind to members facing sudden financial obstacles, making the loan an appealing emergency option.
Drawbacks to Consider
While useful, the maximum loan amount is capped at $2,000, potentially limiting for those who require larger sums. The $25 processing fee may also impact borrowers seeking smaller loans.
Moreover, the need for steady direct deposit history may exclude potential applicants who are new to Financial Plus Credit Union or lack regular income streams.
Verdict: Is the Ready Now Loan Right for You?
The Ready Now Loan is best suited for current FPCU members who need money urgently, value quick digital approval, and prefer not having their credit checked. While the loan amount is modest, the convenience and speed are clear strengths, making this an excellent emergency lifeline for those who qualify.