Loans for Life's Plans
From debt consolidation to a big purchase to a little breathing room, ACU personal loans come with local underwriting, flexible terms, and rates that stay on your side.
Three Paths, One Application Portal
ACU offers personal installment loans, competitive auto financing, and student loans through Sallie Mae. Pick the one that fits your situation.
Personal Installment Loan
Borrow $500 to $25,000 for repairs, education, travel, or any personal need. Flexible terms, no prepayment penalty.
Best for: one-time purchases or expenses Apply NowAuto Loan
Competitive APRs on new and used vehicles, motorcycles, RVs, and boats. Terms from 36 to 84 months. Rate discounts up to 1.25% APR.
Best for: vehicle financing Learn MoreStudent Loans via Sallie Mae
Multiple repayment options, no origination fee, no prepayment penalty. In partnership with Sallie Mae. Available for undergraduate, graduate, and parent borrowers.
Best for: undergraduate, graduate, and parent borrowers Learn MoreBuilt for Members, Not Margins
As a member-owned credit union, ACU passes savings back to you through better rates and flexible terms. As of March 2025, credit unions averaged 10.75% APR on 36-month unsecured loans versus 12.03% at banks, according to NCUA rate data.
Borrow $500 to $25,000
Right-sized for what you actually need, not a fixed amount that forces you to borrow more than necessary.
Flexible Repayment Terms
Choose your loan length with no prepayment penalties. Pay it off early and keep the savings.
Skip-a-Payment Option
Available to qualified members when unexpected expenses arise. Contact ACU for eligibility requirements.
Local Underwriting
Real people review your application here in the South Sound, looking at your full financial picture.
Competitive APRs
Member-owned means profits go back to you, not shareholders. That difference shows up in your rate.
NCUA-Protected
Your ACU membership is federally insured up to $250,000 by the National Credit Union Administration.
Three Steps to Your Funds
ACU makes applying straightforward. Most decisions come back fast so you can move forward without delay.
Apply Online
Complete the quick online application. Most decisions are fast.
Review Your Terms
If approved, review your rate and repayment schedule and accept online.
Access Your Funds
Funds are deposited to your ACU account. Use them however you need.
"I love it. So friendly and welcoming. I switched all my accounts over to this credit union."
Personal Loan FAQs
Straight answers to the questions ACU members ask most before applying.
ACU personal installment loans range from $500 to $25,000. The amount you qualify for depends on your creditworthiness and individual financial situation.
Personal loans can be used for almost anything: home repairs, medical expenses, debt consolidation, education costs, travel, or other major purchases.
No. You can pay off your ACU personal loan early at any time without penalty.
Qualified members may defer a scheduled loan payment when unexpected expenses arise. Contact ACU for eligibility requirements.
ACU partners with Sallie Mae to offer student loans for undergraduate, graduate, and parent borrowers. These are separate from ACU's own installment loan products and are subject to Sallie Mae's terms.
Most personal loan applications receive a decision quickly. ACU's local underwriting team reviews your full financial picture, not just your credit score.
APR = Annual Percentage Rate. APR received subject to credit approval. Loan amounts and terms are subject to creditworthiness. Rates subject to change without notice. Student loans are offered through Sallie Mae and are subject to Sallie Mae's terms and conditions; ACU is not the lender for student loan products. Skip-a-Payment subject to eligibility requirements. ACU membership with $25 membership pledge required. America's Credit Union NMLS 449181. Deposits insured by NCUA.