All In Credit Union’s Payday Assistance Loan, powered by CashPlease, is designed for those needing fast and affordable short-term funds. This loan offers amounts between $200 and $1,000 and comes with a 28% APR, which is substantially lower than traditional payday loan rates. The loan term is six months, providing manageable payments, and, notably, no credit report review is required.

Unlike many high-cost alternatives, All In Credit Union’s application process is straightforward and accessible any time. There is a $20 application fee—which is waived for those qualifying under the Military Lending Act. Funds are typically deposited within 15 minutes of approval, although timing can vary.

How to Apply for the Payday Assistance Loan

1. Ensure you are the primary owner of an eligible All In checking account in good standing.
2. Access the online application, available 24/7.
3. Select your desired loan amount ($200–$1,000).
4. Complete the brief application—no credit check required.
5. Upon approval, receive the funds in your account, often within 15 minutes.

Benefits of This Loan

One major advantage of this loan is the affordability compared to traditional payday loans, with a reasonable 28% APR instead of the much higher typical rates.

Another benefit is the speed: you can apply at any time, and funds are disbursed quickly, offering peace of mind in emergencies.

Considerations and Downsides

One drawback is the $20 application fee, which applies regardless of approval or loan acceptance, except for military applicants.

Additionally, eligibility is limited to All In checking account holders, and approval is subject to account standing and other factors.

Our Verdict

In summary, the All In Credit Union Payday Assistance Loan is a smart choice for those seeking quick, short-term funds without predatory rates or credit checks. While there is an application fee, the fair interest rate and fast turnaround make this solution highly competitive for qualifying applicants.