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All In Credit Union
Get short-term loans from $200 to $1,000 at 28% APR, no credit check required, with approval in minutes and funds often available the same day.
The CashPlease® Payday Assistance Loan from All In Credit Union presents a welcome alternative to expensive payday loans. Designed for borrowers who need small sums quickly, this loan allows applicants to borrow between $200 and $1,000. The fixed, competitive interest rate stands at 28% APR, and terms last six months, offering predictability for budgeting your repayments. No credit check is required, making the product accessible even for those with shaky credit histories. The application fee is $20 (waived under the Military Lending Act), and once approved, funds can be in your account in about 15 minutes—sometimes a bit longer on weekends or federal holidays.
How to apply: Step by step
- Confirm you are the primary owner of an eligible All In checking account.
- Complete the online application, available 24/7.
- Submit your request and pay the $20 application fee.
- Wait for fast approval—often within minutes.
- Once approved, receive funds quickly to your checking account.
Major advantages
One of the biggest pros is the fixed 28% APR, which is much lower than traditional payday lenders, many of which charge rates exceeding 300% APR. This results in considerable savings for the borrower.
Another highlight is accessibility—requiring no credit check and offering near-instant access to cash, which can be a lifeline during emergencies or when unexpected expenses pop up.
Key drawbacks
The $20 application fee is charged even if your loan isn’t approved. For small loan amounts, this fee can feel significant.
Additionally, only primary owners of qualifying All In checking accounts are eligible, so it’s not an option for everyone, and borrowers with specific account types (like You Choose Checking) won’t qualify.
Our verdict
The CashPlease® Payday Assistance Loan is a superior option for those seeking short-term, small-dollar loans without sky-high interest rates or complex application processes. Those needing quick cash and holding an eligible account should consider this offer a practical solution to their borrowing needs.
