All In Credit Union offers the Payday Assistance Loan with the help of CashPlease®. This short-term option allows you to borrow between $200 and $1,000 with a 28% annual percentage rate (APR) for a term of six months. There are no traditional credit checks. The simple $20 application fee is required for each application, but there are exceptions for qualifying military members. Funds are typically available in your checking account within 15 minutes, although this may take longer outside business hours.

How to Apply for the Payday Assistance Loan

• Log in to your All In Credit Union account or open an eligible checking account.
• Start the loan application for CashPlease® online at any time—service is available 24/7.
• Select the amount you wish to borrow, from $200 up to $1,000.
• Submit your application and pay the non-refundable $20 fee if required.
• If approved, review terms and accept. Funds generally appear in your account within 15 minutes.

Pros of All In Credit Union Payday Assistance Loan

This loan provides very fast access to cash for urgent needs, eliminating the delay many expect with traditional loans. Most applicants can complete the process entirely online without visiting a branch.

Another key advantage is that there are no credit report checks, making approval possible even for those who may have had past credit issues.

Cons of All In Credit Union Payday Assistance Loan

The loan comes with a $20 fee, regardless of approval outcome, unless you have military status. This cost may deter some applicants.

Additionally, while 28% APR is considerably lower than most payday lenders, it’s still high compared to typical personal loans from banks or credit unions for those who qualify.

Our Verdict on All In Credit Union Payday Assistance Loan

This offer is a solid, lower-cost alternative to typical payday loans. It’s especially fitting for those who need quick cash and have limited or challenged credit history. While it carries a notable fee and interest rate, it’s much more reasonable than the alternatives, and the speed of funding is a standout benefit.