Introducing the Ready Now Loan

The Ready Now Loan from Financial Plus Credit Union is designed for urgent cash needs. Borrow up to $2,000 with no credit check, regardless of your credit history.

This loan is available exclusively to members with monthly qualifying deposits averaging $500 for the past three months. A $25 processing fee applies to all loans.

Funds are deposited immediately into your account with 24/7 instant approval via digital banking. The minimum loan amount is $500, and only one Ready Now Loan can be outstanding per member.

The application process is fully online. Your account must be in good standing, and approval amount depends on your monthly direct deposit total.

Rates, terms, and eligibility criteria may change without notice, and the loan may be discontinued at any time.

How to Apply: Step by Step

1. Log in to your Financial Plus Credit Union digital banking account.

2. Select the “Buy Now, Pay Later + Ready Now” option.

3. Follow the prompts to complete your application quickly and easily.

4. Receive instant approval and access your cash immediately.

5. Use the funds for any unexpected expenses or urgent needs as soon as the deposit arrives.

Pros of the Ready Now Loan

One significant advantage is the complete lack of a credit check, making this loan accessible even to those rebuilding their credit.

Another strength is instant, 24/7 approval with same-day funding, removing stressful waiting periods and giving you peace of mind when emergencies strike.

Cons of the Ready Now Loan

The strict requirements—such as needing Financial Plus membership and a regular direct deposit history—mean some may not qualify immediately.

Also, the $2,000 maximum loan cap may not be sufficient for larger emergency expenses or major purchases, so consider your needs carefully.

Verdict: Is the Ready Now Loan Worth It?

If you need a small, fast, and accessible loan without a credit check, Ready Now Loan is a top contender. The all-online process makes it convenient for those already banking at Financial Plus Credit Union.

However, for those with larger cash needs or without qualifying deposits, this may not be the optimal solution. Consider your eligibility and financial goals before applying.