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Maybe Fido needs a trip to the vet, your dryer stopped spinning, or your car stopped running.

At Greater Nevada, eligible members can count on 24/7 access to small-dollar loans to cover the expenses that can’t wait. It’s an honest, easy payday loan alternative from the credit union you trust.



Maybe your friend scored tickets to Sunday’s game (at the 50-yard line!). Or that designer coat you’ve been eyeing just went on clearance. Maybe you’re looking to get out of town for the weekend.

Get the cash you need, so you won’t miss out.


  • Loans from $200 to $2,000 for eligible GNCU members
  • Super-fast application – apply through Online Banking in just a few clicks
  • No credit check
  • Immediate approvals and funding directly to your GNCU account


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You're minutes away from getting the funds you need. Here's how to apply:


Log in to eBranch Online Banking.


Click the "Ready Loan" tab on the left-hand side and follow the steps to submit an application.


Log In to Apply



Frequently Asked Questions

Absolutely. While Ready Loans have a few things in common with payday loans, they also offer key advantages.

Like payday loans, Ready Loans are designed for short-term borrowing needs and don’t require a credit check. The main qualification to receive one of these loans is your income, which helps assure the lender you’ll be able to repay the loan.

However, payday loans often come with exorbitant rates and fees that make them hard to repay, and some payday lenders are known for predatory lending practices.

A Ready Loan from GNCU is different. Unlike payday lenders, GNCU is a not-for-profit credit union that’s here to make borrowing as affordable as possible. You’ll find our Ready Loans offer a very competitive rate compared to payday loans and other short-term financing options.

Ready Loans come with a 28% fixed interest rate*, plus a $25 processing fee for loans from $200 to $1,000, and a $40 processing fee for loans from $1,001 to $2,000. That’s it.

For amounts from $200 to $1,000, you will repay the loan in monthly installments for up to 6 months. For loans from $1,001 to $2,000, the term is up to 12 months.

To apply, you must be at least 18 years old and have been a member of GNCU for at least 3 months.
Greater Nevada Ready Loan: All loan applications are subject to review of eligibility and approval. The annual percentage rate (APR) for the Ready Loan is a fixed rate for the duration of the loan. The minimum loan amount is $200, and the maximum loan amount is $2,000. For example, a Ready Loan for $1,500 with an interest rate of 28% and a $40 origination fee with a 12-month repayment term would have a monthly payment of $148.62 and an APR of 33%. Eligibility requirements include membership with GNCU for a minimum of 3 months, and all accounts are in good standing. No minimum credit score required. Applying for a Ready Loan is only available through Personal eBranch Online Banking, and is not available at a GNCU branch.