Financial Plus Credit Union
Borrow up to $2,000 fast—no credit check, 24/7 approval, get funds instantly. Great for emergency cash with only a $25 fee. Membership required.
The Ready Now Loan from Financial Plus Credit Union (FPCU) is designed for those who need money quickly and may struggle with traditional credit checks. This loan allows members to borrow between $500 and $2,000, with a flat $25 fee added to the loan. There’s no credit check, and funds are available instantly upon approval. Members must have qualifying monthly direct deposits totaling at least $500 for the past three months. Only one Ready Now Loan can be outstanding per member at a time.
How to Apply for the Ready Now Loan
- Log in to your FPCU digital banking account
- Select the “Buy Now, Pay Later + Ready Now” option from the menu
- Follow prompts to complete the application and receive instant approval
Pros of the Ready Now Loan
One of the top advantages is there’s no credit check, so anyone with a challenging credit history can access emergency funds. Funds are deposited instantly into your account, making this perfect if you need cash fast.
The application is easy; it’s completed online with 24/7 instant approval. There’s also transparency in the fee structure with only a $25 processing fee for each loan.
Cons of the Ready Now Loan
To qualify, you must be a member of Financial Plus Credit Union and have a history of direct deposits, which may exclude some potential borrowers. The maximum loan amount is $2,000, which limits its use to relatively small emergencies.
Additionally, you can only have one Ready Now Loan at a time, so you won’t be able to take another out until the first is repaid.
Verdict: Is the Ready Now Loan Worth Considering?
The Ready Now Loan can be an excellent choice for quick cash without a credit check, especially for FPCU members with regular deposits who need a rapid solution for unexpected expenses. The easy application and near-instant funding set it apart from traditional loans, though requirements and loan limits could rule out some applicants. Overall, it’s a solid option for the right borrower.