All In Credit Union
Get $200-$1,000 quickly with a 28% APR, just $20 fee, and no credit check. Instant decisions even on weekends—trusted solution for short-term needs.
Looking for a quick solution to cover short-term expenses? The All In Credit Union Payday Assistance Loan, powered by CashPlease, is specifically designed to offer small-dollar loans without the heavy costs seen in traditional payday lending. With amounts ranging from $200 to $1,000, a fixed 28% APR, a flat $20 application fee, and no credit check, it’s marketed as an accessible and affordable option for members with an All In checking account in good standing.
The loan term stretches up to 6 months, and your application can be approved in minutes—sometimes with instant funding to your account. The overdraft limit on your account may be impacted by any open loan balance, so borrowers should remain aware of their financial standing. The costs are notably lower compared to traditional payday loans, which can carry APRs of nearly 400%.
How to Apply: Step by Step
- Ensure you are the primary owner of an eligible All In checking account.
- Apply for the Payday Assistance Loan online any time, 24/7.
- Choose your desired loan amount between $200 and $1,000.
- Submit your application and pay the $20 fee (waived for qualifying military personnel).
- Receive an approval decision in minutes and funds within minutes if approved.
Pros of the All In Payday Assistance Loan
One key benefit is the absence of a credit check, making it accessible to those with limited or bad credit. The straightforward process allows almost anyone with an eligible account to apply.
Additionally, the interest rate and fee structure are highly competitive, especially compared to traditional payday lenders. Funds can arrive in your account quickly for urgent needs, even during weekends and holidays.
Cons to Consider
The loan is only available to existing All In Credit Union members, so you cannot apply if you are not already a customer.
Also, the $20 application fee is charged whether or not your loan is approved, which could be a downside if you are denied.
Verdict: Is the All In Payday Assistance Loan Right for You?
If you need fast, small-dollar funding and are a Credit Union member, this offer provides a far lower-cost, safer alternative to typical payday advances. The simple process and swift approvals stand out.
However, factor in the non-refundable application fee and membership criteria before applying. This is an attractive bridge option for members facing short-term financial gaps and wanting to avoid predatory payday lenders.