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)

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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)
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**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)
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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