No Credit Check Loans Plus
Borrow up to $1,000 — and get your funds in under an hour.
- Fast financing with NO CREDIT CHECK!
- Fixed rates of 28.00% APR*
- Borrow up to $1,000
- Terms up to 6 months
- Get your cash in under 1 hour!
- No prepayment penalties
- Quick, local decision-making and processing
- Attentive, friendly service from start to finish
How to Qualify
- Applicant must have an active account* for at least one (1) month.
- Applicant must have a perpetual recurring automatic deposit** of at least $200 per month for a minimum of three (3) consecutive months with Xplore FCU. The direct deposit / automatic deposit must be in the name of the primary account holder.
- No active Chapter 13 bankruptcies.
- All accounts and loans must be in good standing for up to six (6) months. No delinquent loans.***
- All No Credit Check Loan Plus (NCCL+) payments must be set on immediate payroll.
- Any existing NCCL/ NCCL+ must complete four (4) full monthly payments before a refinance is available.
- Must settle any existing NCCL with the proceeds from the new loan. Must settle any existing NCCL+ or NCCLX prior to originating a new loan.****
A $20.00 application fee will be debited from member’s account prior to loan being processed.
APR = annual percentage rate. Loans from $500 to $1,000 with term up to 6 months. *Active checking defined as a minimum of one (1) transaction per month.
**Perpetual recurring deposits are defined as income that is automatically deposited into your account at regularly scheduled intervals (i.e. weekly, bi-weekly, semi-monthly or monthly). Mobile deposits and unemployment direct deposits do not qualify as recurring automatic deposits.
***Delinquent loan defined as 30 days or greater past the scheduled payment date.
****May not originate more than an aggregate of two (2) loans to a member within the last six-months of the following loan types: No Credit Check Loan (NCCL), No Credit Check Loan Plus (NCCL+) and No Credit Check Loan Xpress (NCCLX). A non-refundable $20.00 loan application fee is required and will be deducted from your Xplore Federal Credit Union Checking or Savings account. Federally insured by the NCUA. Payment example: Approximately $180.64/month for every $1,000 borrowed at 28.00% APR for 6 months.
Xplore Federal Credit Union, New Orleans, LA. Your savings is federally insured to at least $250,000 and backed by the full faith and credit of the United States Government - National Credit Union Administration (NCUA), a U.S. Government Agency. Xplore Federal Credit Union is an equal opportunity housing lender.
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