Financial Plus Credit Union
Get instant access to up to $2,000 with no credit check, 24/7 online application, and immediate deposit upon approval. Fast cash for unexpected expenses.
The Ready Now Loan from Financial Plus Credit Union is designed to help individuals handle unexpected expenses without hassle. With this offer, you can borrow up to $2,000 and get instant approval, all without a credit check. The loan is perfect for emergencies or when cash is needed quickly, with 24/7 online access.
For eligibility, you must be a Financial Plus Credit Union member with average monthly direct deposits of at least $500 over three months. A small $25 processing fee is added, but flexible digital banking makes managing your loan convenient.
Interest rates and terms may vary based on several factors. The maximum loan amount granted won’t exceed your monthly direct deposit, and you are limited to one Ready Now Loan at a time. Actual loan rate is dependent on current rates and your account standing.
How to Apply: Step-by-Step
1. Log in to your Financial Plus Credit Union digital banking account.
2. Select ‘Buy Now, Pay Later + Ready Now’ from the menu.
3. Complete the application prompts.
4. Receive an instant decision and, if approved, funds go directly into your account.
5. Ensure that account maintenance and salary deposit history meet requirements before applying.
Pros of the Ready Now Loan
One significant advantage is the absence of a credit check, making this loan accessible to more people, regardless of their credit history.
Application is completely digital and available 24/7, so you can manage your money when you need it most, even outside regular business hours.
Cons of the Ready Now Loan
The main limitation is the $2,000 loan ceiling, which may not be adequate for larger financial needs or emergencies.
Eligibility is restricted to members of the credit union with established direct deposit history, so it’s not open to everyone immediately.
Verdict: Who Should Consider This Loan?
The Ready Now Loan is best for existing Financial Plus Credit Union members who need quick, small-dollar funding. It’s ideal for unexpected bills or emergencies, but may not suit those seeking larger amounts or those unable to meet the deposit requirements.
