All In Credit Union
Borrow $200-$1,000 at 28% APR with no credit report review and quick deposit. Free for Military Lending Act. Fast, simple, and convenient for emergency cash needs.
All In Credit Union offers the Payday Assistance Loan through CashPlease®, giving users a superior alternative to traditional payday loans. The loan amount ranges from $200 to $1,000 with a highly competitive annual percentage rate (APR) of 28%. You don’t need a credit check to apply, and approval is quick. Funds can often be in your account within minutes, though there may be delays on weekends or holidays. The loan has a fixed $20 application fee, except for Military Lending Act (MLA) borrowers who do not pay the fee. The standard loan term is six months, providing predictable payments and real flexibility for borrowers.
How to Apply: Step-by-Step
- Confirm you are the primary owner of an eligible checking account in good standing
- Access the loan application online 24/7
- Choose your loan amount from $200 to $1,000
- Submit the application—no credit report is reviewed
- Receive funds in your account, usually within 15 minutes
Highlights: Pros
The 28% APR is far lower than the 391% estimated for many traditional payday loans, making this option much more affordable. No credit check means even those with little or poor credit have access.
The process is fully digital and available around the clock, so you can apply in emergencies or after hours. Funds are often available almost instantly, offering peace of mind when cash is urgently needed.
Potential Downsides: Cons
The $20 application fee applies whether or not your loan is approved (except for military members under the MLA)—that can be costly if you aren’t approved. You also need a qualifying checking account in good standing with All In Credit Union to apply.
If you have an open CashPlease loan, your overdraft limit will be impacted, potentially limiting account flexibility depending on your personal banking habits.
Final Verdict
All In Credit Union’s Payday Assistance Loan stands out for its accessible application process, lower interest rate, and fast funding. While there is a flat fee to apply, the experience is user-friendly and far more affordable than high-cost payday advances. If you already bank with All In Credit Union and need a short-term cash boost, this is a compelling option.
