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Consolidate your debt today for peace of mind tomorrow.
Rates as low as 10.49% APR*
Consolidating your debt with a personal loan from ACFCU may lower your monthly payments and help you save more over the life of your loan. ACFCU is so much more than a lender, we’re your neighbor. Apply today and enjoy our neighborly service.
Apply online to receive a 0.25% APR* discount on your rate.
RATES AS LOW AS
- Flexible terms to meet your budget
- Electronic document signing at your convenience
- Affordable payment protection plans
Rates Effective: March 29, 2024| TYPE | LOAN MAXIMUM | TERM UP TO | APR* AS LOW AS | SAMPLE MONTHLY PAYMENT1 |
|---|---|---|---|---|
| TYPE Personal Loan | LOAN MAXIMUM $10,000 | TERM UP TO 48 Months | APR* AS LOW AS 10.49% | SAMPLE MONTHLY PAYMENT1 $179 for $7,000 or $26 per $1,000 |
| TYPE Personal Loan | LOAN MAXIMUM $20,000 | TERM UP TO 60 Months | APR* AS LOW AS 11.49% | SAMPLE MONTHLY PAYMENT1 $220 for $10,000 or $22 per $1,000 |
| TYPE Personal Loan | LOAN MAXIMUM $50,000 | TERM UP TO 72 Months | APR* AS LOW AS 11.99% | SAMPLE MONTHLY PAYMENT1 $489 for $25,000 or $20 per $1,000 |
Personal Loans Personalized To Fit You
Whether you need a personal loan for paying down high-interest debt, improving your home, or making a big purchase – we’ll help you take control of your financial goals. A personal loan allows you to simplify your finances with a single, fixed monthly payment at a competitive rate. There are no pre-payment penalties or hidden fees.
Easy To Apply
Applying for a loan online is simple and speedy. Apply online to receive a 0.25% APR* discount on your rate. You could get your funds the same day your loan is approved.
Why Consolidate Your Debt?
One monthly payment
to simplify your bills each month, making your finances easier to manage.
Monthly payments never increase
with one low fixed-rate loan and the same affordable monthly payment.
Improve your credit score
by showing that you can make on-time monthly payments.
Personal Loan FAQs
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What are the requirements to apply for a personal loan?
You must be a member or qualify for membership in ACFCU and your membership must be established before any loan can be issued.
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How much can I borrow with a personal loan?
We offer personal loans from $1,000 to $50,000, subject to credit and income qualifications.
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What can a personal loan be used for?
Just about anything! Personal loans are great for consolidating debts or financing household expenses at a lower interest rate than a credit card.
- What is the process of applying for a personal loan?
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When will I receive the funds from my personal loan?
Once your application is approved and any supporting documents (such as verification of your income, if needed) have been provided, you can sign your loan documents electronically and have the funds in a matter of hours.
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What type of collateral do I need to provide for a personal loan?
Personal loans do not require collateral; however, if you do have collateral, like a paid-off vehicle, you may be able to qualify for a larger loan at a lower rate using your collateral.
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Is there an advantage to paying off my loan faster?
Yes! You are welcome to make larger or additional payments at any time. There is no penalty for paying early and you’ll save money in interest over the life of the loan. Just remember that you have to make each scheduled payment when it is due, even if you previously made a larger payment.
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Do you offer payment protection?
Yes, we offer convenient and affordable payment protection options that protect you and your loved ones in the event of disability or death of a covered borrower.
Get more information today.
Tell us a little bit about yourself and your financing needs. We’ll reach out with ideas on how we can help.
Becoming a member is easier than you think!
All you need is $5 and proof of eligibility.
Just about anyone can bank at Arlington Community FCU. You’re eligible to join if:
- You live, work, worship, volunteer, go to school or do consistent business in Arlington, Fairfax County, City of Alexandria, and City of Falls Church, VA.
- You’re an immediate family member of a current member: spouse, parent, grandparent, stepparent, child, grandchild, stepchild sibling/stepsibling.
- You live with someone who is eligible including a domestic partner, legal guardian, foster child, roommate with shared finances.
- You have an immediate family member who is eligible to join under #1 above, even if they haven’t joined yet.
- You become a member of an ACFCU-designated association that supports our community impact efforts.
*APR = Annual Percentage Rate. Rate subject to change without notice. Rates effective as of March 29, 2024. Maximum interest rate 17%. Members who apply online will receive a 0.25% APR discount on a Personal Loan. Not all applicants will qualify for the lowest rate. To qualify for as low as rate members must meet credit criteria qualifications and apply online. Minimum loan amount $1,000.
1Payment examples may be different due to payment protection being added to the loan and first payment due date not being 30 days from funding.