The Ready Now Loan from Financial Plus Credit Union is designed to help members get fast access to cash without the stress of a credit check. This offer lets eligible members borrow up to $2,000 with instant online approval, available at any time. Loan amounts start at $500, with a $25 processing fee added to the loan amount. To qualify, your account must have at least three months of direct deposits averaging over $500 per month. Only one Ready Now Loan is allowed per member at a time.

How to Apply: Step-by-Step

1. Log in to your Financial Plus digital banking account.
2. Select “Buy Now, Pay Later + Ready Now” from the main menu.
3. Follow the prompts to apply and receive your funds instantly.

Pros of the Ready Now Loan

One of the standout advantages is the lack of a credit check, making it accessible for those with less-than-perfect credit histories. Approval and funding happen instantly, so you can get your money 24/7 with minimal waiting.

Another benefit is the fully online process. You don’t need to visit a branch, as everything from application to approval is done from your computer or mobile device, streamlining your access to funds.

Cons to Keep in Mind

The loan is only available to existing members of Financial Plus Credit Union, so non-members need to join first. Also, the maximum loan amount is capped at $2,000, which may not be enough for larger expenses.

There is also a $25 processing fee, and eligibility depends on your direct deposit history. This could limit access for new account holders.

Final Verdict

The Ready Now Loan is a solid choice for quick, small emergency funding, especially for those with limited or poor credit. It’s user-friendly and fast, but the membership requirement and maximum loan limit are worth considering before applying.