The Ready Now Loan from Financial Plus Credit Union offers a flexible solution for customers needing emergency cash. With loan amounts up to $2,000 and no credit check requirement, it stands out for accessibility. Approvals are granted around the clock, and successful applicants receive funds immediately. While the APR is not specified, a $25 processing fee applies to each loan, and eligibility is based on having qualifying deposits averaging $500 monthly for the past three months. Membership with the credit union is also mandatory.

How to Apply for a Ready Now Loan

1. Log into your Financial Plus digital banking account.
2. Select “Buy Now, Pay Later + Ready Now” from the menu.
3. Complete the application by following the prompts.
4. Receive instant approval and immediate deposit of funds upon qualification.

Pros of the Ready Now Loan

No credit check is performed, so your borrowing power isn’t penalized by poor credit history. Funds are available at any time, making this loan suitable for emergencies and unexpected bills.

The application process is fully digital, fast, and user-friendly, especially for those already enrolled in Financial Plus online banking.

Cons of the Ready Now Loan

Only members of Financial Plus Credit Union are eligible, so non-members must go through an additional sign-up process. There’s also a $25 processing fee added to your loan amount.

The borrowing cap is set at $2,000, which may not be sufficient for larger needs. Interest rates and further terms are not clearly advertised upfront.

Final Verdict: Is the Ready Now Loan Worth It?

The Ready Now Loan by Financial Plus Credit Union is a solid option for those who need quick access to cash and may not qualify elsewhere due to credit concerns. Instant approval and no credit check are its biggest strengths. However, prospective borrowers should consider the membership requirement and the lack of upfront information on rates before proceeding.