Personal Loans

For those times that you need funds for uses other than a vehicle or home loan. Perfect for repairs, education, special projects and even vacations.

Borrow a minimum of $500 and a maximum of $25,000 based on your individual needs and credit-worthiness.

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Personal Installment Loans

0 - 24 Months

10.23% - 18.00%
Estimated Payment Example
$231 a month for 24 months, $5,000 loan at 10.23%

25 - 36 Months

10.48% - 14.73%
Estimated Payment Example
$162 a month for 36 months, $5,000 loan at 10.48%

37 - 48 Months

11.46% - 15.71%
Estimated Payment Example
$130 a month for 48 months, $5,000 loan at 11.46%

49 - 60 Months

12.51% - 16.76%
Estimated Payment Example
$113 a month for 60 months, $5,000 loan at 12.51%

61 - 72 Months

14.25% - 15.75%
Estimated Payment Example
$207 a month for 72 months, $10,000 loan at 14.25%

73 - 84 Months

14.50% - 15.00%
Estimated Payment Example
$380 a month for 84 months, $20,000 loan at 14.50%

ACU Personal Loans

Apply for a Loan Online

Loan Resources

Payment Options

Skip a Payment

If you have an ACU loan, you may be eligible to skip some payments and use the extra cash for unexpected bills or other expenses. Learn more about our Skip a Payment option.

Online Loan Payment Option

Register for our convenient online loan payment option, which costs just $12 per payment. All payments made prior to 6:00 p.m. PST will be processed on the same day.


Loan Protection

When you’re facing an unexpected life event, the last thing you need is added financial stress. That’s why we offer several loan protection options to help you pay or postpone your debt in case of a sudden setback. Our options include:

Member’s Choice Borrower Security*

This voluntary loan payment protection option offers relief from the financial burden of delinquency, default, or foreclosure in certain situations. ACU will cancel or reduce repayment of your loan debt if a protected life event happens to you as a borrower or co-borrower. Protected events include loss of life or disability (including those caused by acts of war) and involuntary unemployment.

*Your purchase of Debt Protection is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact ACU for a full explanation of the terms of Debt Protection.

Loan Calculators

The following tools can help you answer such questions as:

Auto Loans

Fast, High-Performance Financing

ACU offers several vehicle loan programs to help you get the best option for your needs at the best possible rate. We also make repaying on a loan seamless with payment transfer programs, payroll deduction, online banking, and mobile banking.
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