Financial Plus Credit Union
No credit check needed, borrow up to $2,000 with instant decision and fast deposit. Designed for quick help when unexpected expenses strike. $25 fee applies.
The Ready Now Loan from Financial Plus Credit Union is built for members who need fast access to cash—often in emergency situations. The standout feature is no credit check, with borrowing limits up to $2,000. All you need is an account with qualifying direct deposit. A $25 processing fee applies to each loan.
Loan approval is instant, and money hits your account immediately after successful application. To qualify, you must have had at least six months of direct deposit in your account with an average deposit over $500 for the past three months.
How to Apply: Step-by-Step
1. Log in to your digital banking account at Financial Plus Credit Union.
2. Select the “Ready Now Loan” option under the lending menu.
3. Follow the on-screen instructions, provide required information, and submit your application.
4. Get instant approval and money deposited into your account right away—no paperwork or waiting period needed.
Key Pros
This loan is designed for quick help during emergencies, freeing borrowers from the stress of traditional credit checks. Money is available 24/7, making it very convenient.
The application process is fully digital, providing instant approval so you won’t wait days for a decision or funding.
Main Cons
You must already be a Financial Plus Credit Union member, and not everyone may qualify if they don’t have sufficient direct deposits.
Loan amounts are capped at $2,000, which may not be enough for larger needs, and the $25 processing fee adds to costs.
Final Verdict
If you’re a member in good standing needing a small, fast, no credit check loan, Ready Now Loan offers instant help. However, the restricted loan limits and member requirements may not suit everyone. Overall, a solid option for quick, smaller cash needs through your credit union account.