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Borrow Smarter in Emergencies

When you are buried in bills, it can be hard to make ends meet. Predatory payday lenders and check cashing businesses charge interest rates and fees that may be over 100%. Don’t fall into this trap – your credit union is here to help! 

America's Christian Credit Union's Payday Alternative Loan (PAL) is a small dollar, short term loan designed to help when money is needed right away to meet unexpected expenses. Predatory lenders will use your urgency to charge you exorbitant fees and high interest rates.

 We can help you get out of tight financial situations, without the hefty fees Payday Lenders typically charge.

"Whoever is generous to the poor lends to the Lordand he will repay him for his deed." - Proverbs 19:17

We should love our neighbors and not take advantage of his financial difficulties. 

  • Short-term unsecured loan amounts from $200 - $500 (not to exceed net paycheck amount)
  • No credit verification needed
  • Terms between 1 and 6 months
  • A portion of the application fee will be deposited into a savings account when the loan is paid

At America's Christian Credit Union, we are committed to helping you become a good financial steward through financial education. Check out a few short videos about debt, credit scores, and predatory lending so you may better understand your finances. 

     

    

 

Personal Loans

Loan Type Loan Term Rate (APR as low as)
Signature Loan 12 Months* 6.99%
Signature Loan1 Up to 36 Months 7.50% - 16.25%
Signature Loan1 37 - 60 Months 7.99% - 16.75%
G.O.O.D. (Get Out Of Debt) Loan2 Up to 36 Months 6.99%
Overdraft / Line of Credit3 N/A 9.00% - 17.50%
Pay Day Alternative Loan4 Up to 6 months  18.00% - 28.00%

1 Signature Loan APR = Annual Percentage Rate and is accurate as of 06/01/2019. Loans subject to credit approval. Advertised “as low as rate" APR assumes excellent credit history and maximum rate discount of 0.50% for ACH/automatic payment. Your actual APR may vary based on loan type, your credit history, ability to repay, approved loan amount, term, and applicable discounts. Not all applicants will qualify for the lowest rate. Rates, terms and conditions are subject to change without notice. Must qualify for membership. $25 loan processing fee for personal loans. $50 loan processing fee for Debt Consolidation. For a $10,000 Personal Loan with a 60-month term at 8.99% APR, the monthly payment will be $208.00.

* Signature loan at 12 months has a maximum loan amount of $5,000.00.

2 G.O.O.D. (Get Out Of Debt) Loan APR = Annual Percentage Rate and is accurate as of 06/01/2019. Loans subject to credit approval. Not all applicants will qualify for the best rate. Rates, terms and conditions are subject to change without notice. $25 loan processing fee. Must qualify for membership. Sample payment: For a $10,000 GOOD loan with a 36-month term at 6.99% APR, the monthly payment will be $304.17. Maximum loan amount is $10,000. Shorter terms available. Not available on current ACCU loans.

3 Overdraft/Line of Credit APR = Annual Percentage Rate. APR is accurate as of 04/01/2019. Loans subject to credit approval. Advertised “as low as rate" APR assumes excellent credit history and maximum rate discount of 0.50% for ACH/automatic payment. Your actual APR may vary based on loan type, your credit history, ability to repay, approved loan amount, term, and applicable discounts. Not all applicants will qualify for the lowest rate. Rates, terms and conditions are subject to change without notice. Must qualify for membership. $25 loan processing fee for personal loans. $50 loan processing fee for Debt Consolidation. For a $10,000 Personal Loan with a 60-month term at 8.99% APR, the monthly payment will be $208.00. 

4 Pay Day Alternative Loan Not all applicants will qualify. Loan funding fee of $30. Limit one (1) loan per member at a time. Must provide one (1) current paycheck stub to verify employment. Rates, terms, and conditions are subject to change without notice. Additional restrictions apply. For a $500 PAL with a 6-month term at 28% APR, the approximate monthly payment will be $91.00.

Must qualify for membership. A $2 membership fee may apply. Savings or Checking Account is required to fund the account. The credit union is federally insured by the National Credit Union Administration. Added savings protection provided by American Share Insurance. Please speak to a credit union representative for details. Equal Housing Opportunity.

Personal Loans

Personal Loan Forms

Member Relations

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800.343.6328 Option #6

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