The Payday Assistance Loan from All In Credit Union is built for consumers who need access to small-dollar loans quickly and without a credit check. With interest rates capped at 28% APR and a $20 application fee, borrowers can get up to $1,000 for a six-month term. Funds are usually available in as little as 15 minutes, except during non-business hours. All you need is to be the primary owner of an eligible All In checking account in good standing.

How to Apply in Simple Steps

1. Log in to your All In Credit Union account portal.
2. Select the Payday Assistance Loan option.
3. Enter your desired loan amount ($200–$1,000).
4. Complete the straightforward application process.
5. Pay a $20 application fee (waived for MLA members).
6. Get a decision quickly—often within minutes.
7. If approved, see funds in your account, typically within 15 minutes.

Advantages of the Payday Assistance Loan

This loan stands out for its convenience and accessibility. There’s no credit check, making it ideal if your credit isn’t perfect or you need cash fast.

Interest rates and fees are transparent and regulated, with a maximum APR of 28% and a $20 application fee. These terms are far more favorable than many payday alternatives.

Potential Drawbacks

It’s important to note the $20 application fee applies even if your loan is not approved. Additionally, not all checking accounts qualify for this offer.

Borrowing limits and loan term length may not meet everyone’s needs, restricting larger amounts or longer repayment periods.

Our Verdict

If you need short-term funds quickly without a traditional credit check, the Payday Assistance Loan is a solid alternative to costly payday lenders, given its speed, accessibility, and regulated terms.