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Overview
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 DeGeusFREE 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.
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Emergencies happen. Building an emergency savings account that is dedicated to handling the unexpected is important.
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Rates
Type Personal Loan Rates
Rates Effective as of: 01-27-2021Term 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.
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Calculator
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Questions
Frequently Asked Questions
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How much can I borrow for a personal loan?
We offer a range of personal loans from $500 to $25,000 so you can find one that fits your circumstances.
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How do I apply for a loan?
You can apply online, call us free at 800.227.5328 or visit one of our branches.
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How much can I borrow for a personal loan?
Personal Loans
Handle life's expenses with confidence
Already applied? Check your application status
Apply NowHow 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
- Awesome! We have low rates and long terms for all kinds of exciting vehicles, including Boats, RVs, and Motorcycles.
- 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.
- Sounds good! We have low rates available for both new and used
- Something adventurous
- Cool! Are you looking for a regular car, or something a little more adventurous?
- 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.
- Lump sum
- Sounds good! Are you more interested in a lump sum or a line of credit?
- I’m mostly interested in a credit card
- Sounds good! Be sure to check out our Platinum Credit Card. It’s one of the best deals around, and includes plentiful rewards.
- A home
- 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
- Sounds good. You can enroll in Online Banking right here. You’ll need your social security number and AFFCU member number.
- No
- Great. To access your account, simply click “Login” in the upper right hand corner of the page.
- Yes
- Ok! Is this is your first time using Online Banking?
- On my mobile device
- Great! First make sure you’re enrolled in online banking. Then, download our free app for iPhone or Android.
- Online
- Okay, how would you like to access your accounts?
- 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
- Perfect, we offer discounts on auto, home and life insurance through our partner, Trustage.
- Accessing my accounts
- What would you like to save for?
- The holidays
- Nice! We think you’ll love our Christmas Club account.
- 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.
- Sure
- Nice! Are you okay with leaving your money untouched for a while?
- 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.
- Yes, quite a bit
- Do you have some money saved up already?
- I’d prefer just a basic savings account
- Ok! Our Regular Savings sounds just right for you. It also secures your AFFCU membership.
- The holidays