Ready Now Loan Review: No Credit Check, Instant Decision & Up to $2,000

The Ready Now Loan from Financial Plus Credit Union stands out for its accessibility and speed. With instant approval, you can borrow between $500 and $2,000, regardless of your credit score. There’s a $25 processing fee added to your loan amount. To qualify, you need to be a member and show consistent qualifying deposits of over $500 per month for the past three months.

Step-by-Step: How to Apply

• Log in to your FPCU digital banking account.
• Select “Buy Now, Pay Later + Ready Now” from the menu.
• Follow the prompts to complete your application.
• If eligible, receive your funds immediately into your account.

Pros of the Ready Now Loan

The biggest advantage is no credit check, so your credit score won’t affect approval. Plus, the application can be completed online any time, with funds deposited directly to your account.

Another notable benefit is the instant approval decision, which is ideal for covering sudden emergencies when you need money fast. Qualifying is easier if you have steady direct deposit history.

Cons of the Ready Now Loan

However, the loan has a maximum limit of $2,000 and you can only have one Ready Now Loan out at a time, which may be restrictive for larger expenses.

There’s also a $25 processing fee, and you must be an existing member with three months of qualifying deposits, which could delay new applicants.

Our Verdict

For members with consistent deposits needing fast cash and no credit check, the Ready Now Loan is a straightforward, accessible choice. It’s well-suited for minor emergencies but not bigger financial needs.