All In Credit Union’s Payday Assistance Loan powered by CashPlease® offers a smart alternative for those needing quick access to cash. You can borrow any amount from $200 up to $1,000, with a fixed interest rate of 28% APR and a six-month repayment term. Notably, there is no credit report review required, making this ideal for those with less-than-perfect credit. The application fee is $20 and is due regardless of loan approval, though this is waived for individuals covered by the Military Lending Act. Typically, approved borrowers can see funds in their account within 15 minutes, except during off-hours and holidays.

How to Apply for a Payday Assistance Loan

1. Start by being the primary owner of an eligible All In checking account in good standing.
2. Use the digital application platform, applying 24/7 from anywhere.
3. Select the loan amount from $200 to $1,000 and review the terms.
4. Submit your application and pay the $20 application fee.
5. If approved, funds are typically credited to your account quickly.

Key Advantages

A top feature is the nearly instant decision and funding process, with cash often deposited within 15 minutes. This speed beats most traditional payday lenders, and you avoid excessive interest rates. Borrowers aren’t subject to a credit check, making this a practical choice for many. Transparent fees and terms, plus the backing of a trusted credit union, provide additional peace of mind.

Potential Downsides

The mandatory $20 application fee applies whether or not your loan is approved, which may discourage some potential applicants. Also, loan eligibility is limited to accountholders in good standing. While the 28% APR is much lower than typical payday loans, it’s still notably higher than traditional personal loans. Overdraft limits may also be affected if you’re approved for a loan, so budgeting accordingly is key.

Verdict

All In Credit Union’s Payday Assistance Loan is a reliable, fast, and clear option for those seeking short-term financial help. Without a credit check, transparent fees, and rapid funding, it’s an excellent substitute to high-cost payday lenders. Overall, it’s a solid pick for urgent, responsible borrowing—especially for All In members seeking a better lending experience.