The Ready Now Loan from Financial Plus Credit Union is designed for those who need cash in a hurry. You can borrow up to $2,000 with instant, 24/7 approval and, what’s more, there is no credit check required. Instead, eligibility relies on proof of qualifying direct deposits—averaging $500+ per month for three months. A one-time $25 processing fee is added to your loan amount, and only one Ready Now Loan can be active per member at any time.

How to Apply for the Ready Now Loan

The application process is streamlined. First, log in to your digital banking account. Then, select “Buy Now, Pay Later + Ready Now” from the digital banking menu. Finally, complete the prompts and your loan amount, up to $2,000, is deposited instantly if you qualify.

Pros of the Ready Now Loan

One key advantage is the no-credit-check policy, making it ideal for those with less-than-perfect credit. Instant access to funds, anytime, is another benefit, reducing financial stress during emergencies.

Application is both quick and entirely online, with no need to visit a branch. Direct deposit funding ensures fast receipt of loan proceeds into your account.

Cons of the Ready Now Loan

The loan comes with a $25 processing fee, automatically added to the total loan. Additionally, it is only available to Financial Plus Credit Union members with qualifying deposits.

Loan amounts are capped at $2,000, limiting its usefulness for larger expenses. Only one active Ready Now Loan is permitted per member, which may hinder repeat access.

Verdict: Is the Ready Now Loan Worth Considering?

The Ready Now Loan is a solid option for members who need fast funds without a credit check. For smaller, urgent expenses, its ease and speed are strong selling points. However, membership and deposit requirements mean it may not be suitable for everyone.