The cash you need, right when you need it.

Personal Loans

Think of personal loans as all-purpose funds you can borrow now and pay back over the years. Use them to consolidate high-interest credit cards, make home improvements or cover unexpected expenses. If you have something in mind, we do too.

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Personal Loan

Consolidate your debt today for peace of mind tomorrow.

Consolidating your debt with a personal loan from ACFCU may lower your monthly payments and help you save more over the life of your loan. ACFCU is so much more than a lender, we’re your neighbor. Apply today and enjoy our neighborly service.




  • Flexible terms to meet your budget
  • Electronic document signing at your convenience
  • Affordable payment protection plans
Apply Now
calendar icon Rates Effective: March 29, 2024
TYPE Personal Loan LOAN MAXIMUM $10,000 TERM UP TO 48 Months APR* AS LOW AS 10.49% SAMPLE MONTHLY PAYMENT 2 $179 for $7,000 or $26 per $1,000
TYPE Personal Loan LOAN MAXIMUM $20,000 TERM UP TO 60 Months APR* AS LOW AS 11.49% SAMPLE MONTHLY PAYMENT 2 $220 for $10,000 or $22 per $1,000
TYPE Personal Loan LOAN MAXIMUM $50,000 TERM UP TO 72 Months APR* AS LOW AS 11.99% SAMPLE MONTHLY PAYMENT 2 $489 for $25,000 or $20 per $1,000

Personal Line of Credit

For flexible spending and repayment.

Looking for a little more financial flexibility? This line of credit could be right for you. Much like a credit card, this line gives you access to money as you need it and can also help you avoid the embarrassment of overdrawing your checking account, covering any checks you may write that exceed your available balance.

Rates as low as



  • Revolving line of credit you can use as you need it
  • Interest paid only on outstanding balance
  • Link it to your checking account for overdraft protection
  • Get cash advances quickly and easily via online banking 
  • Optional payment protection plan
  • All rates
Apply Now
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Fast Cash Loan

No credit check!

Sometimes life hands you unexpected expenses. When that happens, Fast Cash may be right for you. It’s a short-term, personal loan with a fast application so you get the money you need, when you need it. There is no credit check, just a small fee. (To qualify, you must be a member for at least 90 days.)

To Apply, Call 703-526-0200 x2.

Rates as low as



Share or Certificate Secured Personal Loan

A great way to help build credit.

Think you can’t get credit because you don’t have any? Think again. With ACFCU’s secured personal loan, you can use your Share or Certificate account balances to secure the loan you need.

Call 703-526-0200 x4


  • Your savings serve as collateral for the loan (we place a hold on the money)
  • Save with a low interest rate that’s just 3% above what you’re earning on your ACFCU savings
  • Flexible repayment terms
  • Continue to earn dividends on your Savings or Certificate account
  • As you pay down your loan balance, you can use those funds again
  • All rates
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Manage your money anytime, anywhere with our mobile app.

5 star rating
5 star rating

Why Choose Arlington

As a full-service credit union, we’re a cooperative of members like you who know that by coming together, we can all benefit in our financial journey.

Financial Empowerment

We’re here to help our members—and neighbors—meet their financial goals and live their best lives.

Rewarding Experience

We think there’s nothing more rewarding than serving our members—and believe one good turn deserves another.

Utmost Integrity

We not only meet your financial needs, we commit to being a good neighbor and serving with integrity.

The Fine Print

*APR = Annual Percentage Rate. Rate subject to change without notice. Rates effective as of March 29, 2024. Maximum interest rate 18%. Members who apply online will receive a 0.25% APR discount on a Personal Loan. Not all applicants will qualify for the lowest rate. To qualify for as low as rate members must meet credit criteria qualifications and apply online. Minimum loan amount $1,000.

1Must be a member for at least 90 days prior to applying. All accounts and loans must be current (not negative or delinquent) for the past six months. Cannot have been denied for a personal loan within the past 3 months. Direct deposit is not required. However, $1,000 in deposits every calendar month for the past two months is required. Only one Fast Cash loan per member and only one open at a time with two maximum per rolling 12 months. Current Fast Cash loans must have 6 months of payments before they can be refinanced. Only the primary account holder may apply for Fast Cash. For a 12-month loan of $1,000 at 16.78% APR, the monthly payment would be $87.45. Payment is based on first due date within 30 days of closing.

2Payment examples may be different due to payment protection being added to the loan and first payment due date not being 30 days from funding.