All In Credit Union
Get $200-$1,000 fast with a 28% APR, no credit check, instant decision, and funds in minutes. Much lower costs than typical payday loans. Easy to apply!
The All In Credit Union Payday Assistance Loan offers a practical short-term solution for those needing a quick cash boost. This loan option stands out for its transparent rates and quick application process. Unlike typical payday loans, it provides a safer, more affordable approach.
Borrowers can apply for loans ranging from $200 to $1,000, making it flexible for a variety of financial problems. The Annual Percentage Rate (APR) is set at 28%, far less than other payday providers, and the 6-month term gives more room to repay. Additionally, there’s no credit check required, making it accessible to many who may not qualify elsewhere.
A $20 application fee applies, regardless of approval, except for Military Lending Act-qualified consumers. You need to be the primary owner of an eligible All In Credit Union checking account in good standing to apply. Funds can be deposited in as little as fifteen minutes, offering true speed and convenience.
How to Apply
- Ensure you have an eligible All In checking account in good standing.
- Start your application online—it’s available 24/7.
- Select your desired loan amount between $200 and $1,000.
- Submit the $20 application fee (waived for Military Lending Act status).
- Wait for your decision and, if approved, receive funds fast—often within minutes.
Pros
The biggest advantage is the low cost compared to standard payday lenders—the 28% APR is much more manageable and easier to pay down over time.
Another significant benefit is accessibility. No credit check makes it easier for individuals with limited or poor credit to get approved. Funds are available quickly, making it ideal when time is of the essence.
Cons
The loan is only available to members with specific checking accounts at All In Credit Union. Therefore, not everyone can qualify immediately.
Additionally, a $20 application fee is charged regardless of approval, which can be a drawback if your application is denied. Overdraft limits are also affected during repayment.
Verdict
For individuals with a valid All In Credit Union account, the Payday Assistance Loan represents a safer, far more affordable alternative to traditional payday lenders. The lower APR and speed of funding are strong draws, though some limitations exist. Overall, it’s a solid pick for qualified applicants seeking quick cash without exorbitant costs.
