All In Credit Union
Borrow between $200 and $1,000 at 28% APR, with no credit check and quick approval decisions. Receive funds as soon as 15 minutes after approval.
All In Credit Union’s Payday Assistance Loan is designed for those who need quick access to small-dollar loans. Borrowers can apply for amounts from $200 to $1,000 at an annual rate of 28%. There’s no credit report review, and you often get funds in your account within 15 minutes — faster than most alternatives. Loans are for a 6-month term and come with a $20 application fee, though there is no fee for applicants qualifying under the Military Lending Act.
Steps to Apply
- Check if you’re the primary owner of an eligible All In checking account in good standing.
- Begin your application online any time — 24/7 availability makes it easy.
- Choose your desired loan amount between $200 and $1,000.
- Review the application fee and confirm terms before submitting your request.
- Receive approval and get cash in your account, often within 15 minutes.
Pros
The most appealing feature here is the competitive 28% APR, a far cry from typical payday lenders charging over 300%. This loan is also accessible, with no hard credit pull; credit history won’t disqualify you.
Receiving funds in as little as 15 minutes is an incredible advantage for urgent needs. The flexibility to borrow small amounts makes this option helpful for unforeseen expenses without long-term debt.
Cons
Borrowers must pay a $20 application fee regardless of whether the loan is approved or accepted, which can add up with multiple applications.
Only primary owners of qualifying checking accounts in good standing are eligible. Some account types, like You Choose Checking, don’t qualify, which may limit accessibility.
Verdict
All In Credit Union’s Payday Assistance Loan offers one of the most reasonable rates and fastest access to cash among short-term loan options. If you’re a member needing funds quickly, this is a solid, affordable choice that stands out from traditional payday lenders.
