Some of the best things in life are free, but many aren't.

People need money for home repairs, honeymoons and holiday gifts. For travel costs, teacher supplies and tuition bills. For furnaces and furniture, and doctor bills and debt consolidation. You get the picture. So do we. Whatever the financial needs of your Michigan family, Arbor Financial has a low-cost personal loan that can make your life a little -- or a lot -- better.

  • Competitive, fixed rates
  • Repayment terms up to 84 months
  • Quick and easy approvals;  apply by phone 24x7 at 269.488.5945 (KWIK) and get an answer within minutes
  • Delay first payments for up to 45 days after closing
  • No application fee
  • No prepayment penalties
  • Collateral-free, unsecured loans good for any purpose
  • Skip Pay options allows you the option of not making up to two months of loan payments a year
  • Credit life and disability insurance policies available to ensure loan repayment
  • Revolving line of credit allows you to borrow money as often as you need
  • Competitive rates
  • No application fee
  • Loan interest accrues only when funds are drawn
  • Apply by phone 24x7 at 269.488.5945 (KWIK) and get an answer within minutes
  • Use as overdraft protection for your checking account
  • No restrictions on how you spend your funds
  • Borrow up to 100% of the amount in your certificate
  • Loan rate is just 2% above your CD dividend rate
  • Repayment terms up to the duration of the certificate
  • Continue to earn dividends on your CD
  • Quick and easy approvals;  apply by phone 24x7 at 269.488.5945 (KWIK) and get an answer within minutes
  • No restrictions on how you spend your funds
  • No application fee
  • No prepayment penalties
  • Borrow up to 100% of the amount in your Share Savings Account
  • Competitive rates
  • Terms up to 60 months
  • Continue to earn dividends on your savings
  • Quick and easy approvals;  apply by phone 24x7 at 269.488.5945 (KWIK) and get an answer within minutes
  • No restrictions on how you spend your funds
  • No application fee
  • No prepayment penalties
  • $500 loan amount at 0% APR*
  • Low $50 monthly payment and 10-month term
  • Available to K-12 teachers
  • Quick and easy approvals;  apply by phone 24x7 at 269.488.5945 (KWIK) and get an answer within minutes
  • No restrictions on how you spend your funds
  • No application fee
  • No prepayment penalties
After you decide what type of loan you need, perhaps it's time to take stock of the rest of your finances. Opening a checking account at Arbor Financial can be a good place to start. You'll get free access to more than 37,000 ATMs throughout Michigan and across the nation, plus fee-free access to eBanking, Mobile Banking, Web Bill Pay, and more. It's easy to open your account online or switch your account to become an Arbor Financial member.
*The 0% Annual Percentage Rate (APR) Classroom Supplies Loan is available to K-12 teachers only and is limited to one loan per school year. Monthly payments will be automatically transferred from your Share Savings Account (S1). Payroll deduction and proof of employment at a Michigan school are required.
Why choose Arbor Financial?
"Working with Arbor was the easiest process I have had in regards to a car loan. Thank you for such a smooth process and recommendations on how to best position myself for future business." Joel P Read More Member Stories  

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