Personal Loans

We get it: life happens. Whether life throws you an unexpected expense, you want to consolidate your debt, or you can finally start planning your dream wedding, sometimes you need a little help when it comes to financing the inevitable. Count on Arbor Financial Credit Union to provide you with an affordable personal loan that best meets your needs and budget!


  • Competitive fixed rates
  • Terms up to 84 months
  • Quick and easy approvals have your funds available in no time
  • 45-Day no pay option available at the time of loan closing
  • No application fee
  • No prepayment penalties
  • Collateral-free, unsecured loan good for any purpose
  • Skip-A-Pay options
  • Credit life and disability insurance coverage available
  • Apply by phone and get an answer within minutes: 269.488.5945 (KWIK)


EZ Access Line of Credit (EZLOC)

    • Revolving line of credit allows you to take advances as often as you need
    • Interest accrues only on funds as they are drawn
    • Quick and easy approvals have your funds available in no time
    • Use as overdraft protection for your checking account
    • Competitive rates
    • No restrictions on how you spend your funds
    • No application fee
    • Apply by phone and get an answer within minutes: 269.488.5945 (KWIK)

    View Rates Apply Online


    0% Classroom Supplies Loan

    • $500 loan amount at 0% APR**
    • Low $50 monthly payment and 10-month term
    • Available to K-12 teachers
    • Quick and easy approvals have your funds available in no time
    • No restrictions on how you spend your funds
    • No application fee
    • No prepayment penalties
    • Apply by phone and get an answer within minutes: 269.488.5945 (KWIK)
    Apply Online

    **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.
     

    Certificate of Deposit Secured Loans 

    • Borrow up to 100% of the amount in your certificate
    • Loan rate is just 2% above your CD rate
    • Terms up to the duration of the certificate
    • Continue to earn dividends
    • Quick and easy approvals have your funds available in no time
    • No restrictions on how you spend your funds
    • No application fee
    • No prepayment penalties
    • Apply by phone and get an answer within minutes: 269.488.5945 (KWIK)
    View Rates Apply Online


    Share Secured Loans 

    • Borrow up to 100% of the amount in your Share Savings Account 
    • Rates as low as 1.99%
    • Terms up to 60 months
    • Continue to earn dividends
    • Quick and easy approvals have your funds available in no time
    • No restrictions on how you spend your funds
    • No application fee
    • No prepayment penalties
    • Apply by phone and get an answer within minutes: 269.488.5945 (KWIK)
    View Rates Apply Online