Financial Plus Credit Union’s Ready Now Loan is built for people who need instant access to funds. You can borrow up to $2,000, with no credit check required. The process is entirely online and approvals are available instantly, 24/7—making it one of the fastest cash solutions available. Borrowers must have qualifying deposits averaging over $500 monthly in the last three months and be a member of the credit union.

How to Apply

First, log in to your digital banking account. Then, choose the “Buy Now, Pay Later + Ready Now” option in the menu. Finally, follow the prompts to quickly complete your application and watch the funds land in your account in minutes.

Key Advantages

One standout advantage is there’s no credit check, opening the door for borrowers with less-than-perfect credit. Also, the application and approval process is completely online and available at any time—weekends or evenings included—for absolute convenience.

What to Watch Out For

On the downside, there’s a $25 processing fee added to the loan. In addition, you must have direct deposits for three months to qualify. The maximum loan amount is capped at $2,000.

Our Final Take

If you’re dealing with an emergency or time-sensitive expense, the Ready Now Loan from Financial Plus Credit Union is impressively fast and doesn’t require a credit check. Just be sure to meet the deposit requirements and factor in the fee when budgeting.