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Personal Loans

Get more versatility! One of the most appealing aspects of a personal loan is the versatility; there are no restrictions on how you use the borrowed funds. From consolidating debt to paying off medical bills or financing your dream vacation, personal loans can be used to help you pay for anything you desire.

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Rates as low as 7.99% APR*
Affordable, flexible repayment terms
Choose the amount you'd like to apply for
Great service, fast turnaround
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Summer Fun Loan rates as low as

7.99% APR*

Get More Summer

Get your Summer Fun Loan, and have summer your way!

  • Rates as low as 7.99% APR*
  • No payments for 60 days**
  • Use for anything
  • No application fees, easy to apply
  • Flexible repayment terms up to 7 years
  • Great service, fast turnaround

Plus, you'll have a chance to win one of three $250 drawings by telling us how you would have more fun this summer with an extra $250 by filling out the form below+! Members are automatically entered in the drawing when they take out a Summer Fun Loan.

But hurry! This is a limited-time offer, so apply today by clicking below, calling 269.488.5945 for quick approval, or visiting any branch.

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Interest Rates Certified by Datatrac
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Apply for this loan by:

Calling our Virtual Loan Center at 269.488.5945

Applying online to secure this loan

Visiting any branch or scheduling an appointment!

Personal Loan Rates

Term Length

APR as low as *
Up to 36 months
7.99%
37 to 60 months
8.49%
61 to 84 months
8.99%

*Annual Percentage Rate (APR). The rate you receive will be determined by your credit score at the time of application and the term of your loan. Loan subject to credit approval.

Personal Loan

  • Enjoy fixed payments and terms with low, competitive rates
  • No application fee
  • Loan interest accrues only when funds are drawn
  • Apply by phone 24/7 at 269.488.5945 and get an answer within minutes
  • No restrictions on how you spend your funds
  • Apply Online
  • Schedule an Appointment

EZ Access LOC

  • 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
  • Use as overdraft protection for your checking account
  • No restrictions on how you spend your funds
  • Apply Online
  • Schedule an Appointment

Certificate of Deposit Secured Loans

  • Borrow up to 100% of the amount in your Certificate of Deposit Account
  • Interest rate 2% over your existing certificate of deposit rate
  • Term determined by remaining term of your certificate
  • Continue to earn dividends on your certificate of deposit
  • Quick and easy approvals; apply by phone 24/7 at 269.488.5945 and get an answer within minutes
  • No restrictions on how you spend your funds
  • No application fee
  • No prepayment penalties
  • Apply Online
  • Schedule an Appointment

Share Secured Loans

  • Borrow up to 100% of the amount in your Share Savings Account
  • Terms up to 60 months
  • Continue to earn dividends on your savings
  • Quick and easy approvals; apply by phone 24/7 at 269.488.5945 and get an answer within minutes
  • No restrictions on how you spend your funds
  • No application fee
  • No prepayment penalties
  • Apply Online
  • Schedule an Appointment
Estimate Your Loan Payments
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Estimated Monthly Payments $0.00

Contact our lending specialists to discuss options at 269.488.5945 available 24/7.

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Difference in Interest $0.00
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Information and interactive calculators are available as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

*Annual Percentage Rate (APR). Rate effective 6/1/22 for a limited time. Rate may vary depending on credit history, term of loan, and underwriting factors. Subject to credit approval. Programs, rates, terms and conditions subject to change without notice. Refinancing of an existing Arbor Financial loan will require $1,000 of new money to qualify for the special rate. For a $10,000 loan for a term of 84 months with a 7.99% APR, the monthly payment will be $156.

**Qualifying borrowers may be eligible to defer their first payment for up to 60 days, dependent upon credit score and when the loan closes. Interest accrues from date of loan disbursement and is collected on the first payment(s) applied. Promotional period June 1 – August 31, 2022.

+The drawing is open to all legal Michigan residents who are 18 years or older. No purchase is necessary. Promotional period June 1, 2022 – August 31, 2022. For official rules, click here.