All In Credit Union
Borrow $200–$1,000 for up to 6 months at 28% APR with no credit check. Get cash quickly from a trusted financial institution with an easy online application.
All In Credit Union offers its Payday Assistance Loan as an alternative to high-cost payday lenders. This short-term option allows you to borrow from $200 to $1,000, with a fixed 28% APR. Loan terms extend up to 6 months, and a one-time non-refundable $20 application fee applies (waived for Military Lending Act eligibility). There are no credit checks, making this loan more accessible if you need funds fast.
How to Apply: Step by Step
- Ensure you are the primary account holder of an eligible All In checking account in good standing.
- Complete the online application, available 24/7.
- No credit report required, speeding up the approval process.
- Receive approval and have cash deposited—often within 15 minutes if during business hours.
- Review the terms, accept your offer, and use the funds as needed.
Key Benefits
This loan is far more affordable compared to traditional payday lenders, with a clear 28% APR versus typical payday APRs of up to 391%. Funds can be available the same day, ensuring you have reliable access when needed most. The simple application process means minimal barriers for urgent requests.
No credit check is needed, so your credit score remains unaffected and approvals come quickly. Also, since the loan is from a credit union, you get the peace of mind that comes from working with a reputable financial institution.
Main Drawbacks
The $20 application fee is nonrefundable and applies regardless of approval, which can be a drawback if your application is not successful. Additionally, you need an eligible All In checking account, so new customers may face delays opening an account before applying.
Loan funds may take up to 24 hours to reach your account, especially on weekends or holidays. If you already have a CashPlease loan open, your overdraft limit may be affected as well.
Verdict: Is It Worth It?
The Payday Assistance Loan from All In Credit Union stands out for its transparent terms, reasonable rates, and fast access to cash without a credit check. If you need a small loan quickly and meet the eligibility requirements, this is a solid choice over high-cost payday loans. However, be mindful of the application fee and account requirements.
