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Financial Plus Credit Union
Get up to $2,000 instantly with no credit check from FPCU. 24/7 approval, funds direct to your account, quick online process, qualifying deposits required.
The Ready Now Loan from Financial Plus Credit Union is designed for those facing unexpected expenses. Borrowers can access up to $2,000 with instant, 24/7 approval directly through digital banking. Interestingly, this loan requires no credit check, making it accessible even if you have had credit issues in the past. However, you must have qualifying monthly deposits of at least $500 over the past three months in your account to be eligible. A $25 processing fee applies and the max available is the lesser of $2,000 or your monthly direct deposit.
How to Apply: Step by Step
- Log in to your Financial Plus Credit Union digital banking account.
- Select the “Buy Now, Pay Later + Ready Now” option from the menu.
- Complete the prompts online to finish your application and get instant approval with the funds deposited right away.
Key Pros
One main advantage is the lack of any credit check, making it an option for those who may not qualify elsewhere. The application is fully digital, and approval is instant, so you can access emergency funds without delay.
Ready Now Loans are available around the clock, which adds valuable flexibility for many borrowers, especially when emergencies strike outside of standard business hours.
Some Cons
Borrowers must be existing members of Financial Plus Credit Union, and qualifying includes a deposit history of at least $500 per month over the last three months. This limits eligibility for new or intermittent account holders.
Additionally, the loan amount is capped at $2,000, which may not meet the needs of those facing larger financial setbacks. The processing fee also adds to the cost.
Verdict: Is the Ready Now Loan Worth It?
For those who already bank with Financial Plus Credit Union and need quick, credit-check-free cash for an emergency, the Ready Now Loan is a strong option. The instant online access gives it a clear edge for convenience. However, the membership and deposit requirements may leave some looking elsewhere, and the $2,000 cap might feel restrictive for larger emergencies.