Premier Easy Cash Loan Overview

The Premier Easy Cash loan, offered by Premier America Credit Union, lets members borrow between $300 and $2,000 at a fixed 28% APR for terms up to 12 months.

This loan is designed specifically for those with unexpected expenses, featuring a fast approval process with funds instantly available once approved.

Applications are completed online or via mobile banking in under two minutes, with no credit check required, making it an accessible option.

An application fee of $20 applies, and borrowers must be members in good standing for at least three months to qualify.

Late fees apply for payments more than 10 days late, and the loan is not available at physical branches.

How to Apply: Step-by-Step

Start by logging into your Premier America Credit Union online or mobile banking account. Navigate to the loans section.

Select “Easy Cash Loan” and choose the amount you want to borrow, up to the $2,000 maximum limit.

Fill in the necessary details and submit your application—no documents or credit checks are required at this step.

Receive a decision instantly. Once approved, the funds are typically deposited into your account right away.

Start repaying the loan over a fixed term, with monthly payments that fit your budget.

Key Advantages

One major benefit is speed—apply and get a decision in less than two minutes, from your computer or mobile device, any time of day.

No credit check is required, so your score won’t be affected, making it ideal for those with little or no credit history.

Potential Downsides

The 28% APR is higher than some credit union personal loan options, so review the total repayment amount before applying.

There is a $20 application fee, and this product is available only to existing members in good standing for at least three months.

Verdict: Is Premier Easy Cash Right For You?

Premier Easy Cash stands out for its speed, simplicity, and accessibility, perfect for urgent financial needs and building credit.

If you need instant funds without a credit check and can manage the higher APR, this loan is a solid short-term financial solution.