The All In Credit Union Payday Assistance Loan—powered by CashPlease—gives members access to quick, small-dollar loans from $200 to $1,000. The annual percentage rate (APR) is 28%, with a fixed six-month repayment period. There is no credit check involved, making it particularly accessible for those who may not have strong credit or any credit history at all. The application can be completed online 24/7, and if approved, funds typically reach your account within 15 minutes, except after hours, weekends, or holidays. An application fee of $20 applies to all applicants, regardless of acceptance or loan approval, but this fee is waived for active-duty military eligible under the Military Lending Act.

Step-by-Step: How to Apply

Start by ensuring you have an eligible All In checking account that’s in good standing. Then, visit their online application portal at any time you need quick cash.

Choose your loan amount between $200 and $1,000. The process doesn’t require a credit check, so all evaluation is based on your standing with the institution.

Complete the short application, pay the $20 fee (unless you qualify for the military waiver), and submit your request. The decision generally returns rapidly.

If approved, funds usually reach your account within approximately 15 minutes, although longer processing may occur during non-banking hours or holidays.

Repay your loan in fixed installments over six months, keeping your costs manageable and transparent through the process.

Key Advantages

This Payday Assistance Loan bypasses credit reports, making it ideal for those facing immediate cash flow issues or weak credit profiles.

The loan’s fast funding—often under 15 minutes—can provide immense relief when you’re facing an emergency or crucial bill.

Possible Drawbacks

Each application incurs a non-refundable $20 fee, regardless of the approval outcome. Overdraft limits are also impacted during your repayment period.

This offer is only available to existing All In Credit Union checking account holders in good standing, limiting accessibility for new or external customers.

Is It Worth It? Our Verdict

The All In Credit Union Payday Assistance Loan stands out for quick access and financial transparency. If you are an eligible member, need short-term emergency funds, and value straightforward terms, it’s a viable option compared to high-cost payday lenders—and much more affordable. However, the $20 application fee and membership requirement are factors to consider before applying.