Ready Now Loan Review: No Credit Check & Instant Approval Up To $2,000

The Ready Now Loan from Financial Plus Credit Union lets you borrow up to $2,000 quickly, with approval and funding available around the clock. What truly sets it apart is that there’s no credit check required—making it accessible for those with less-than-perfect credit. To qualify, you just need to be a member with qualifying deposits averaging at least $500 per month over the last three months, and have a Financial Plus account in good standing. There’s a $25 processing fee, and the minimum loan amount is $500. Maximum one outstanding Ready Now Loan per member applies.

How to Apply: Simple Steps

Getting a Ready Now Loan is straightforward. First, log into your Financial Plus Credit Union digital banking account. Second, select “Buy Now, Pay Later + Ready Now” from your dashboard menu. Finally, follow the application prompts and receive instant approval, with funds deposited immediately if you qualify. The process can be completed 24/7 online, offering a seamless experience.

Pros: Fast Cash & Inclusivity

The top advantage of this loan is immediate access to funds, making it suitable for emergencies or unexpected expenses. Furthermore, the absence of a credit check means more people can qualify, regardless of credit history, as long as they meet deposit requirements and are in good standing.

Cons: Membership & Limits

On the downside, you’ll need to become a member of Financial Plus Credit Union, which may be a barrier for non-members. There’s also a strict limit to how much you can borrow—even with direct deposit, approval won’t exceed your monthly deposit or $2,000. The $25 fee is another aspect to consider.

Verdict: Strong Solution for Quick, Small Loans

If you need fast, small-dollar funding and meet the membership and deposit criteria, the Ready Now Loan is a compelling option. While limited in size, its instant approval and lack of credit check make it one of the best quick cash solutions available.