Fraud Alert:
Members have reported receiving suspicious and unsolicited phone calls and texts from people claiming to be GNCU employees. Please note, we will NEVER send you an unsolicited request to verify your account information, PIN, password, or info about your GNCU debit card. To report suspicious unsolicited communications for a scam attempt, and if you have given out personal information, please contact our Alert Fraud Team by clicking here to submit it through our online form.
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Having an "uh-oh" moment?

Life has a way of throwing a curveball when we least expect it.

  • Your car stops running
  • Fido needs a trip to the vet
  • An untimely visit to urgent care
  • Your fridge quits on you 

At Greater Nevada, eligible members can count on 24/7 access to small-dollar loans to cover the expenses that can’t wait.


An honest and easy payday loan alternative from the credit union you trust.

Right Now Loan™ features:

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


Woman with crutches getting out of the car

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


Click "Right Now Loan" in the main menu and follow the steps to submit your application.


Sign In to Apply



Frequently Asked Questions

Absolutely. While Right Now Loans™ may have a few things in common with payday loans, they also offer key advantages.

Like payday loans, Right Now 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 Right Now 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 Right Now Loans™ offer a very competitive rate compared to payday loans and other short-term financing options.

GNCU Right Now Loan vs. Payday Loan Infographic

Right Now Loans™ come with a 28.00% 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 90 days.

Right Now Loan™ applications are subject to review of eligibility and approval. The Annual Percentage Rate (APR) for a Right Now Loan™ is 28.00% as of July 25, 2022, and is a fixed rate for the duration of the loan. For example, a Right Now Loan™ for $1,000 with a 12-month term (1 year) at 28.00% APR will have a monthly payment of $96.51. Other terms, payments, and loan amounts are available. The minimum loan amount is $200, and the maximum loan amount is $2,000. Eligible members must be at least 18 years old and have been a member with the credit union a minimum of 90 days. No minimum credit score required. If approved, a $25 Application Processing Fee will be incurred for loans from $200 to $1,000, and a $40 Application Processing Fee for loans from $1,001 to $2,000. Please view the terms of your GNCU Account Disclosure. If your Right Now Loan™ payment is 11 or more days late, then there is a Late Payment Fee of 5% of the payment due. Applying for a Right Now Loan™ is not available in branches; it is only available through Greater Nevada Digital Banking.