All In Credit Union’s Payday Assistance Loan, powered by CashPlease®, offers an alternative to high-cost payday options commonly used by many borrowers. This loan allows eligible applicants to borrow between $200 and $1,000 with no credit report review. The annual percentage rate (APR) is set at a reasonable 28%, and the standard loan term is six months, which gives borrowers plenty of flexibility to repay the borrowed amount. A non-refundable $20 application fee is charged per application unless you are a covered Military Lending Act applicant.

How to Apply: Step-by-Step

1. Be the primary owner of an eligible All In checking account in good standing.
2. Access the online application system, which is available 24/7.
3. Complete the streamlined application process—no credit report required.
4. Submit your application and pay the $20 fee (except for MLA-qualified applicants).
5. Upon approval, funds are typically deposited within 15 minutes, though it may take longer after hours or on holidays.

Key Advantages

One of the standout features is the low 28% APR, which is much more affordable than most payday lenders. The absence of a credit check opens up access to those with lower or limited credit histories. Additionally, the process is digital, quick, and you can apply at any time—day or night. Funds may be accessible in as little as 15 minutes, granting peace of mind in emergencies.

Considerable Drawbacks

The biggest downside is the $20 application fee, charged even if your loan is not approved. Borrowers should also note that your All In Credit Union overdraft limit will be impacted by any open CashPlease loan. This loan is only available to existing checking account holders, so it isn’t open to everyone.

Final Verdict

Overall, the All In Credit Union Payday Assistance Loan is an excellent alternative to traditional payday loans thanks to manageable rates, fast funding, and no credit check. It’s well-suited for existing members who require a small loan quickly. However, those without an All In checking account or who object to application fees may need to look elsewhere.