Financial Plus Credit Union
Access up to $2,000 with no credit check and 24/7 instant approval for unexpected expenses. Fast online application. Eligible for FPCU members only.
The Ready Now Loan from Financial Plus Credit Union is a unique solution for members who need fast cash for unexpected situations. This loan offers instant access to up to $2,000, regardless of your credit score. With a $25 processing fee added to your balance, you can manage sudden expenses easily. To qualify, members must have had at least three months of direct deposits averaging over $500 per month. Only one Ready Now Loan per member may be outstanding at a time. Loan approval is automatic if eligibility criteria are met, and funds are deposited instantly into your account.
How to Apply for the Ready Now Loan
- Log in to your Financial Plus CU digital banking account.
- Select “Buy Now, Pay Later + Ready Now” from the menu.
- Complete the prompt and receive your cash immediately if approved.
Pros of the Ready Now Loan
No credit check required, offering an accessible solution for borrowers with less-than-perfect credit. Funds are available 24/7 and approval is instant, minimizing delays for emergencies.
Members benefit from simple steps and funds deposited directly into their account, making the process convenient and stress-free.
Cons of the Ready Now Loan
There is a required $25 processing fee, and you must have at least three months of qualifying direct deposit history with Financial Plus CU.
Additionally, the loan is only available to current credit union members and limits maximum borrowing to $2,000 or your monthly deposit—whichever is less.
Verdict
The Ready Now Loan is recommended for existing Financial Plus CU members needing quick, small-dollar funding without a credit check. It’s best suited for those with regular direct deposits seeking financial relief in emergencies.