Skip nav to main content.
Mobile App
Find it for free on the App Store.
Get The App
Mobile App
Find it for free on the App Store.
Get The App
main-logo

Personal Loans

Handle life's expenses with confidence

Already applied? Check your application status

Apply Now
  • Why get a personal loan?

    One of the biggest advantages of a personal loan is that it can be used for almost anything. Take one out to pay for your dream wedding, handle emergency medical expenses, or make a large purchase. You can even use a personal loan to consolidate debt. In many cases, a personal loan will have a better rate than credit card debt on various cards, and this way you can handle all of your debt in one single, budget-friendly payment.

    • Save time and money with a budget-friendly payment
    • Enjoy flexible terms
    • Reach your goals early: no prepayment penalties
    • Consolidation Advantage Loan (CAL) – Combine multiple loans into one single monthly payment.

    “I have been a member as far back as I can remember and I have been very satisfied. Recently, I ran into a problem and the representative went beyond my expectations. I truly appreciate them. Thank you AFFCU.”

    Mary DeGeus
    Ready to apply online?

    You can fill out an application here.

    Apply Now

    FREE Debt Management Interactive Lesson

    Whatever the debt may be, understanding how it works, knowing where to go for help, and making a plan are the keys to help you better manage your debt.

    GET STARTED

    FREE Emergency Savings Interactive Lesson

    Emergencies happen. Building an emergency savings account that is dedicated to handling the unexpected is important.

    GET STARTED



  • Type Personal Loan Rates

    Rates Effective as of: 10-26-2020
    Term APR1 as low as Monthly Payment2
    12 months 8.50% $87.21 Apply Today
    24 months 8.50% $45.46 Apply Today
    36 months 8.50% $31.57 Apply Today
    48 months 9.00% $24.89 Apply Today
    60 months 9.50% $21.01 Apply Today

    1 APR = Annual Percentage Rate as of the effective date and subject to change at any time without notice. APR based on evaluation of applicant’s credit. Your actual APR may vary.

    2 Monthly payment is based on payment per $1,000 for term and rate shown above. For personal loans, estimated monthly payment per $1,000 borrowed at 8.50% APR for 12 months is $87.21.



  • Personal Loans

    Personal Debt Consolidation Calculator

  • Frequently Asked Questions

    Help

    For more information or if you have a question, please get in touch with us.

    Contact Us

How can we help you succeed?

  • What would you like to borrow for?
    • A home
      • Sounds great. We offer Mortgage Loans at great prices, as well as refinancing options.
    • A vehicle
      • Cool! Are you looking for a regular car, or something a little more adventurous?
        • Something adventurous
        • A regular car is fine with me
          • Sounds good! We have low rates available for both new and used
            Auto Loans. We can also Refinance your current loan with another institution.
    • An education
      • Right on! We have Student Loans available through our trusted partner, Sallie Mae.
    • Something else
      • Sounds good! Are you more interested in a lump sum or a line of credit?
        • Lump sum
          • Terrific! We offer Personal Loans for any need, including weddings, vacations, and debt consolidation.
        • Line of credit
          • Great! We think you’ll love our Redi-Credit option. It’s a flexible line of credit, where you’ll only pay interest on what you spend.
    • I’m mostly interested in a credit card
  • What would you like help with?
    • Accessing my accounts
      • Okay, how would you like to access your accounts?
        • Online
          • Ok! Is this is your first time using Online Banking?
            • Yes
            • No
              • Great. To access your account, simply click “Login” in the upper right hand corner of the page.
        • On my mobile device
    • Opening a checking account
      • Great! We have several options available, so head over to our Compare Checking Accounts page to figure out which is right for you.
    • Signing up for eStatements
      • Cool! If you are already signed up for and using our online banking service, all you need to do is click on the eStatements tab (in the blue menu bar) to start enrolling.
    • Running my small business
      • Good for you! Our partner Newtek offers a variety of services to help you manage your small business, including payrolls services, payment processing, and web design.
    • Getting insurance
  • What would you like to save for?
    • The holidays
    • I’d like to open a savings account for my child
      • Great idea! We have several Youth Savings accounts available, depending on your child’s age.
    • Something else – and I’d like to earn a good interest rate
      • Do you have some money saved up already?
        • Yes, quite a bit
          • Nice! Are you okay with leaving your money untouched for a while?
            • Sure
              • Great! We think you might like one of our Share Certificates. You agree to leave your money untouched for a while in exchange for a higher interest rate.
            • I’d prefer to make withdrawals when I need to.
              • Sounds good. Check out our Elite Checking account or Money Market account. These accounts are a little more flexible, but still get you a higher rate.
        • Not much
          • No worries. Once you open a Regular Savings account, you can open secondary accounts for whatever you need, including college, rainy day funds and more.
    • I’d prefer just a basic savings account
      • Ok! Our Regular Savings sounds just right for you. It also secures your AFFCU membership.