The Payday Assistance Loan from All In Credit Union, powered by CashPlease, is a streamlined solution for borrowers looking for short-term cash without the headache of a credit check. Loan amounts range from $200 to $1,000, the annual percentage rate (APR) is set at 28%, and the repayment term is six months. Applicants pay a $20 application fee regardless of approval, though military members are excepted. Funds typically appear in your account within 15 minutes if approved within business hours.

Step-by-Step Application Process

1. Confirm you are the primary owner of an All In checking account in good standing.
2. Fill out the simple online application.
3. No credit report will be pulled.
4. Receive an almost instant decision.
5. If approved, funds are deposited, often within minutes.

Key Advantages

One of the biggest advantages is speed. You can apply 24/7 and typically get same-day funding, even late at night.

The fixed 28% APR is far lower than most payday lenders, which can charge up to 391% APR. Also, no credit check means approvals are easier for many.

Potential Drawbacks

There is a flat $20 fee per application, which you pay whether you’re approved or not. This could add up if you apply multiple times.

Only All In Credit Union checking account holders are eligible, limiting access for non-members.

Our Verdict

The Payday Assistance Loan is a smart and affordable alternative to traditional payday loans. If you’re a member seeking quick cash with manageable rates, this is worth considering.