Financial Plus Credit Union
Get up to $2,000 in cash instantly with no credit check and 24/7 online approval. Quick funds for emergencies or unexpected expenses.
The Ready Now Loan from Financial Plus Credit Union is designed for people who need quick access to funds, even if their credit history isn’t perfect. Borrowers can apply for up to $2,000 without a credit check, making it a practical solution for unexpected expenses. Approval is instant any time of the day, and, upon approval, funds get deposited into your account right away, helping you deal with emergencies without delay. Qualified applicants must have $500 or more in monthly deposits into their account for at least three consecutive months. There is a $25 processing fee added to the loan amount. While interest rates and repayment terms depend on the applicant, the loan is capped at $2,000 or the amount of monthly direct deposit, whichever is less.
How to Apply: Step by Step
- Log in to your Financial Plus Credit Union digital banking account.
- Select “Buy Now, Pay Later + Ready Now” from the menu options.
- Follow the on-screen instructions to complete your loan application and receive your funds quickly.
Pros of the Ready Now Loan
The biggest advantage of the Ready Now Loan is its accessibility to those with any credit history. Since there is no credit check, approval is not based on your credit score.
Another pro is the speed and convenience—the entire process is online, with instant approval and direct deposit, ensuring funds are available right when you need them most.
Cons of the Ready Now Loan
One downside is the maximum amount you can borrow, which is strictly limited to $2,000 or the amount of your monthly deposit if less. For larger needs, another option may be required.
Additionally, there is a $25 processing fee, which increases your total repayment amount, and you must have at least three months of direct deposit history to qualify.
Our Verdict
The Ready Now Loan from Financial Plus Credit Union is a solid choice if you need emergency cash, have stable income via direct deposit, and want to avoid credit checks. However, the strict borrowing cap and required account history may not suit everyone. For small, quick loans, it stands out as an efficient option for qualified borrowers.