All In Credit Union
Take control of cash flow when you need it most. 28% APR, flexible terms, no credit check, $200-$1,000 available instantly to eligible All In checking account owners.
The All In Credit Union Payday Assistance Loan powered by CashPlease® offers a more affordable way to meet urgent cash needs than typical payday loans. The standout feature is the competitive 28% APR, a huge advantage over the nearly 400% APRs sometimes seen with other lenders. With loan amounts between $200 and $1,000, plus repayment terms of up to six months, this product provides enough flexibility for many short-term situations. There are no credit checks, so even if your credit score isn’t perfect, you may qualify as long as your checking account is in good standing.
How to Apply: Simple Steps
- Ensure you’re the primary owner of a qualifying All In checking account
- Apply online any time—applications are accepted 24/7
- Select your desired loan amount from $200 to $1,000
- Pay the $20 application fee (waived for MLA-eligible military borrowers)
- If approved, funds typically appear in your account within 15 minutes (or up to 24 hours)
Key Benefits
This loan stands out thanks to its transparent, competitive 28% interest rate—far lower than most payday loans. There’s also the convenience of quick funding, generally going directly into your account within minutes, helping you handle emergencies without stress or delay.
Additionally, there are no hard credit checks, making it accessible to people with less-than-perfect credit. Knowing up front there’s a $20 fee, but no hidden charges, brings more predictability and peace of mind.
Some Drawbacks
The main downside is the $20 application fee, which is non-refundable—even if you don’t take the loan. In addition, the loan is only available to primary owners of qualifying All In Credit Union checking accounts, so not everyone will be eligible.
Also, availability of funds could be delayed on weekends or holidays, which could be inconvenient in urgent situations.
Our Verdict
If you’re looking for a fair, quick, and transparent short-term loan, All In Credit Union’s Payday Assistance Loan is a strong contender. Its much lower interest rate compared to typical payday lenders, plus instant access to funds and no credit check, make it a responsible option for anyone who qualifies and needs cash fast.