If you’re looking for a short-term loan, the All In Credit Union Payday Assistance Loan might be a solid option to consider. This loan is designed to help you handle urgent cash needs without the burden of sky-high interest common with traditional payday loans.

The CashPlease® loan from All In Credit Union allows you to borrow between $200 and $1,000, offering a fixed APR of 28%. Loan terms extend up to 6 months, making this a much more manageable and affordable alternative compared to standard payday loans, which often feature APRs nearing 400%.

No credit report review is needed when you apply, and the application process is available 24/7. Applicants should have an eligible checking account in good standing with All In Credit Union and must pay a straightforward $20 application fee (waived for eligible military members).

How to Apply for the All In Payday Assistance Loan

1. Ensure you have a qualifying checking account at All In Credit Union and it is in good standing.

2. Access the online application, which is available round the clock, and submit your basic information.

3. Choose your desired loan amount — anywhere from $200 to $1,000 — and confirm your application.

4. Pay the $20 application fee, which is charged regardless of approval (unless Military Lending Act applies).

5. If approved, funds are typically deposited to your account within 15 minutes, though processing can take longer during off-hours or holidays.

Benefits of the Payday Assistance Loan

This loan stands out primarily because there’s no hard credit check required for approval, which helps those rebuilding credit or with limited history.

Borrowers appreciate the clear, capped 28% APR, a significant contrast to the triple-digit rates typical among other payday lenders.

The quick application and decision process, available 24/7, means you can access emergency cash almost immediately when you need it.

With All In Credit Union as your lender, you benefit from a trusted financial institution—not a high-cost storefront.

The application fee is easy to understand, and eligible military applicants can apply without paying it.

Potential Drawbacks

The $20 application fee applies whether or not you are approved, and it might seem steep for small loan amounts.

Loan eligibility is restricted to those with a qualified All In Credit Union checking account, so not everyone will qualify.

Your existing overdraft protection limits may be impacted if you take out one of these loans, so keep an eye on your balances.

Cash funds could be delayed during holidays or weekends, so it’s not always instant for everyone.

The loan is not available to holders of “You Choose Checking” accounts, limiting accessibility further.

Our Verdict

Overall, the All In Credit Union Payday Assistance Loan is a genuine improvement over traditional payday loans. It delivers short-term help with fair pricing and clear terms. Accessibility, no credit report requirement, and rapid approval make it ideal for customers in a pinch, though limited eligibility means it won’t work for everyone.

Carefully consider your account status and ability to repay before applying. For those who qualify, it’s a responsible alternative to predatory payday loans available elsewhere.