Borrow up to $2,000 instantly with no credit check, fast approval, minimal requirements, and an easy online process. A great option for members who need cash quickly.

Apply now

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Introducing the Ready Now Loan

The Ready Now Loan from Financial Plus Credit Union is designed to help members get access to fast funds when unexpected expenses arise. You can borrow up to $2,000 with no credit check, making it ideal for those with all types of credit histories.

This loan requires applicants to be a current member and receive monthly deposits averaging $500 or more for the last three months. The application is completed online, offering 24/7 instant approval and immediate funds.

A $25 processing fee applies and will be added to the loan amount. The loan term and interest rates are dependent on the member’s qualifications and eligibility.

Applicants can only have one Ready Now Loan outstanding at a time. All accounts must be in good standing for approval to proceed.

If you need quick cash without a lengthy application or credit impact, this loan is a straightforward solution.

How to Apply – Step by Step

1. Log in to your Financial Plus Credit Union digital banking account.

2. Select the «Buy Now, Pay Later + Ready Now» option from the main menu inside online banking.

3. Follow the guided prompts to complete your quick, paperless application for the Ready Now Loan.

4. Receive an instant approval decision and get your funds deposited directly into your account almost immediately after being approved.

5. Set up your preferred payment method and track your loan details through digital banking.

Main Advantages

One of the biggest benefits is that no credit check is required, making approval accessible even for members with less-than-perfect credit.

The application is entirely online, available 24/7, and the funds are deposited instantly, providing immediate financial relief.

Potential Drawbacks

Applicants must be existing members with proven account activity, so new members or those without regular deposits may not qualify.

The $2,000 maximum limit may not be enough for larger emergencies, and there is a $25 processing fee added to the amount borrowed.

Our Verdict

The Ready Now Loan is a strong option for eligible Financial Plus Credit Union members needing quick and easy access to funds, especially for small emergencies.

Its lack of a credit check and quick turnaround make it practical for urgent needs. However, it’s best suited for those who meet the deposit requirements and need a relatively small short-term loan.

Borrow up to $2,000 instantly with no credit check, fast approval, minimal requirements, and an easy online process. A great option for members who need cash quickly.

Apply now

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