Introduction to the Ready Now Loan

The Ready Now Loan from Financial Plus Credit Union is designed for anyone facing an unexpected expense. This short-term loan lets you borrow up to $2,000 quickly. There is no credit check required, making it very accessible if your credit isn’t perfect. You simply need to be a member and have qualifying deposits of $500 per month over the past 3 months. There’s a $25 processing fee, and only one outstanding Ready Now loan is allowed per member at a time. Interest rates and terms are determined by your qualifications, but this product stands out for immediate decision and transfer of funds.

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 in the menu.
3. Follow the digital prompts to complete your application.
4. If approved, funds are sent to your account instantly, any day or time.

Pros: What We Like About Ready Now Loan

The main upside here is access—no credit check and fast process means you get cash exactly when you need it. Approval and funds delivery are available 24/7. Digital application is smooth, and money lands directly in your credit union account, which is perfect for covering emergencies. Also, Financial Plus is known for straightforward terms and friendly member service.

Cons: What to Consider

You must already be a member and have steady direct deposits—which could limit access for new or irregular account holders. Also, with a $2,000 loan cap, this product is only designed for smaller or emergency expenses, not big purchases. There is a $25 processing fee, which will be added to your loan amount.

Our Verdict

The Ready Now Loan is a great bridge if you need quick cash without worrying about your credit history. It won’t suit large or long-term borrowing needs, but for urgent, modest financial gaps it’s well worth considering—especially if you already bank with Financial Plus Credit Union.