All In Credit Union
Borrow $200-$1,000. 28% APR. No credit check required. Instant decisions and cash in your account within 15 minutes, even on weekends. Simple $20 fee.
The All In Credit Union Payday Assistance Loan offers an accessible way to manage short-term cash needs without the typical predatory elements often found in traditional payday loans. This loan is available to eligible members and features a fixed 28% APR with a maximum term of 6 months. Loan amounts range from $200 to $1,000, and best of all, no credit report review is required to apply.
Candidates simply pay a $20 application fee, regardless of approval, with no additional hidden or exorbitant costs. Those who qualify typically see the funds deposited into their account within 15 minutes, providing immediate peace of mind in urgent situations. The process remains simple and friendly, making it an appealing alternative to high-cost payday loans that can exceed 391% APR.
How to Apply: Step by Step
First, verify that you are the primary owner of an eligible All In Credit Union checking account in good standing.
Next, fill out the online application—available 24/7—for a loan between $200 and $1,000.
The credit union does not check your credit report, so the application is easy and quick to complete.
Once your application and the $20 non-refundable fee have been submitted, a decision is given almost instantly.
If approved, expect funds in your account typically within 15 minutes. Processing might take longer during weekends or federal holidays.
Pros: Key Benefits
A standout benefit of this loan is its transparent and reasonable pricing: a 28% APR is significantly lower than most payday loan alternatives.
You don’t need a credit check, making the product more inclusive for those who may struggle with credit scores elsewhere.
Funds can arrive in your account in as little as 15 minutes, and the online application operates around the clock for your convenience.
Cons: Points to Consider
The $20 application fee is non-refundable, even if your application isn’t approved—so this fee is unavoidable once you apply.
Loan eligibility is limited to primary account owners of qualifying All In Credit Union checking accounts, which restricts access for some.
Additionally, You Choose Checking accounts are not eligible, and overdraft limits may be affected while you have an open loan.
Verdict: Is the Payday Assistance Loan Right for You?
This payday assistance loan is a smart option for those in a bind who seek quick access to cash without falling into the trap of predatory payday loans. While the fee is firm and membership requirements are present, these are outweighed by the speed, simplicity, fair rate, and absence of a credit check. If you qualify, this offer stands out as a worthy solution for urgent short-term needs.
