All In Credit Union
Borrow $200–$1,000 with a 28% APR. No credit check, same-day decisions, low fees and short 6-month terms. Get peace of mind for your emergencies.
All In Credit Union's Payday Assistance Loan, powered by CashPlease, is designed for quick, short-term borrowing when you need cash in a hurry. You can borrow between $200 and $1,000, regardless of your credit score. The fixed interest rate is 28% APR, and you'll pay just a $20 application fee. Loan terms are up to 6 months, and there's no credit report review, which makes the process accessible to most people who have an eligible checking account in good standing.
Decisions are typically made around the clock, and if you're approved, the funds are often available in your account within 15 minutes – although sometimes you might need to wait a little longer, especially after hours or on weekends. Note that your overdraft limit may be affected by an open CashPlease loan, and the $20 application fee applies regardless of whether your loan is approved (except under the Military Lending Act).
How to Apply: Step by Step
- Become the primary owner of an eligible All In Credit Union checking account in good standing.
- Visit the loan application portal and complete the online CashPlease application – available 24/7.
- Submit your application.
- Wait for a fast approval decision, generally within minutes.
- Receive your funds, often within 15 minutes if approved.
Pros of Payday Assistance Loan
The most notable advantage is the low interest rate compared to traditional payday loans. At 28% APR, it's hundreds of percent lower than typical alternatives.
Additionally, the process is extremely accessible and doesn't require a credit check. This makes it suitable for borrowers who may struggle to get accepted elsewhere.
Cons of Payday Assistance Loan
The $20 application fee is charged regardless of outcome, which can be a disadvantage if you're not approved or decide not to take the loan.
The short repayment term (6 months max) and the impact on your checking account overdraft limit are also potential drawbacks to consider before applying.
Verdict
All In Credit Union's Payday Assistance Loan is a fair alternative if you need emergency funds quickly and don't want to be hit by the staggering rates of standard payday loans.
However, be mindful of the fee structure and ensure the short-term repayment and account requirements fit your financial situation before proceeding.
