All In Credit Union’s Payday Assistance Loan, via the CashPlease® platform, offers borrowers a more affordable and responsible alternative to high-cost payday loans. With amounts available from $200 up to $1,000, the loan carries a flat 28% APR and a $20 application fee. Repayment terms last up to 6 months. There is no credit check required, so approval is fast. Typically, borrowers can have cash available in their account within 15 minutes, though it may take longer outside banking hours. You must be the primary owner on an eligible All In checking account with good standing to qualify.

How to Apply: Step by Step

1. Confirm you have an eligible All In checking account in good standing.
2. Visit the All In Credit Union website or CashPlease® platform.
3. Complete the online application, selecting the amount you’d like to borrow.
4. Pay the flat $20 application fee (exceptions apply for MLA status).
5. Receive funds directly to your account, typically within 15 minutes if approved.

Pros of the Loan

One major advantage is the low 28% APR, which is significantly less than typical payday loans. Additionally, there’s no credit check, making it accessible for those with poor credit.

Fast funding—often in just 15 minutes—means you can quickly cover urgent expenses. The program is offered by a credit union, bringing additional peace of mind to customers who value working with a trusted, local institution.

Cons of the Loan

Though much cheaper than a traditional payday loan, the $20 application fee applies regardless of approval, which could be a drawback for some applicants.

Loan eligibility requires an existing All In Credit Union checking account in good standing, so it may not be immediately accessible for everyone, especially new customers or those with ineligible accounts.

Verdict

The Payday Assistance Loan by All In Credit Union is a viable and safer substitute for traditional payday lenders. Its straightforward terms, competitive interest rates, and speedy access to funds make it a practical option for those facing short-term cash needs. However, the application fee and account requirements mean it’s best suited for existing credit union members in urgent need of a reliable solution.