Financial Plus Credit Union
Borrow up to $2,000 instantly—no credit check required! 24/7 online approval, fast funding to your account, and minimal requirements make this a standout option.
The Ready Now Loan from Financial Plus Credit Union caters to those needing cash quickly, particularly if you have less-than-perfect credit. You can borrow up to $2,000 with no credit check required. While the exact APR isn’t disclosed, the process is fast, online, and available 24/7. There’s a $25 processing fee, and borrowers need a Financial Plus CU account with at least three months of direct deposits averaging $500 or more per month. Only one Ready Now loan is allowed at a time per member.
Step-by-Step: How to Apply
First, log in to your Financial Plus digital banking account through their platform. Once you’re in, locate the “Buy Now, Pay Later + Ready Now” menu option and select it. Follow the prompts to complete your application, and—if approved—funds are deposited into your account right away. The entire process is straightforward and designed for convenience.
What Makes the Ready Now Loan Stand Out?
Major highlights are its no-credit-check policy, making it accessible even if your credit isn’t ideal, plus the very rapid, around-the-clock approval. With easy application steps and instant access to cash upon approval, the loan can be a real lifesaver for emergency expenses or unforeseen bills.
Are There Any Drawbacks?
Loan amounts are capped at $2,000, and you must have steady deposits in your account, which means this offer may not suit those with irregular income or bigger needs. The interest rate isn’t transparently advertised, so it’s crucial to verify total costs before accepting funds.
Verdict: Should You Apply?
If you need quick cash and have a Financial Plus Credit Union membership with a qualifying deposit history, the Ready Now Loan is a convenient short-term option. Fast approval and no credit check are strong perks, but always check the full terms before committing.
