All In Credit Union
Access cash quickly with fair 28% APR, $200-$1,000 loans, no credit check, fast approval, and funds possibly within 15 minutes. Simple, trusted, affordable solution.
All In Credit Union’s Payday Assistance Loan gives you an alternative to costly payday loans. With this offer, you can borrow between $200 and $1,000 for a six-month term at a fixed annual percentage rate (APR) of 28%. No credit check is required, and eligible members may have funds deposited into their account in as little as 15 minutes, or on the next business day if after hours. A $20 application fee applies to each application, regardless of approval, except for military applicants who are exempt.
How to Apply: Step-by-Step
- Ensure you are the primary owner of an eligible All In checking account in good standing.
- Fill out the easy online application at any time—service is available 24/7.
- Submit your application with a $20 fee (waived for active military under MLA).
- Wait for fast approval, typically within minutes during business hours.
- If approved, receive funds directly into your checking account typically within 15 minutes.
Pros of Payday Assistance Loan
This loan stands out for its accessibility—no credit check is required, making it suitable for those with limited or spotty credit history. The application is quick and can be done anytime online. With a regulated APR of 28%, it is much more affordable compared to traditional payday loans, which often exceed 300% APR. Plus, you receive funds from a trusted credit union, adding peace of mind.
Cons of Payday Assistance Loan
Applicants must pay a $20 fee whether approved or not, which can add up if you reapply. Loan approval is only available to primary account holders in good standing, so eligibility is somewhat restricted. Additionally, if you have an open Payday Assistance Loan, your overdraft limit is reduced, which could impact your other banking needs.
Our Verdict
All In Credit Union’s Payday Assistance Loan is a solid, consumer-friendly alternative for short-term cash needs. While the $20 application fee is a consideration, the significantly lower rate compared to predatory payday lenders and the speed of funding provide a much safer solution for most borrowers. If you need quick access to cash and meet membership requirements, this option is worth considering.
