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Personal Loans

A Personal Loan allows you to borrow money from the Credit Union without any collateral. Whether you’re looking to consolidate debt, finance a major purchase, cover an unexpected expense or treating yourself to a much needed vacation, we can help.

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Shares Secured Loans

Share Secured Loans allow members to borrow money from their credit union savings as collateral for the loan.

Funds are frozen in your credit union account and released as the loan balance decreases. And, by using the money you have on deposit as security, you can borrow money at a much lower rate of interest than you could with an unsecured loan.

  • Flexible payments and terms to meet your budget
  • Low fixed interest rates
  • No fees and no prepayment penalties
  • Credit Life and Disability Insurance available
  • Easy Payment Options; Payroll Deductions or Automatic Transfer

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APR= Annual Percentage Rate. At a rate of 6.95% APR for 60 months, monthly principal and interest payments are $19.78 per $1,000 borrowed. Terms available from 12 months to 60 months. Rate effective as of 2/28/2019 and subject to change without notice. Restrictions may apply.

Credit Builder Loan

A Credit Builder Loan is designed to help members with no credit, little credit, or unfavorable credit. The interest rate is the dividend rate on the deposit account being secured as collateral plus 7.00%. *Funds are frozen in your credit union savings account and released as the loan balance decreases. As you make on-time monthly payments it will be reported to the credit bureau and your credit rating will improve.

  • Flexible payments and terms to meet your budget
  • Low fixed interest rates
  • No fees and no prepayment penalty
  • Credit Life and Disability Insurance available
  • Easy Payment Options; Payroll Deduction or Automatic Transfers

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*Restrictions may apply.

Skip-A-Payment

If you find yourself needing a break from your Achieve Financial loan payment, free up some extra
cash with our Skip-A-Payment program. When you have an Auto or Personal Loan at Achieve, we’ll
let you Skip-A-Payment once in a 6-month period, for a small fee.*

Use the extra cash for a special purchase or just enjoy peace of mind of a month without bills!

Loan Skip-A-Pay Request

Please complete the form if you would like to skip your Achieve Financial Credit Union loan payment (only Personal/Unsecured Loans and Auto Loans are eligible). A Credit Union employee will review your account and reach out to you. A request must be received at least two weeks prior from the due date of the payment to be skipped.

Skip-a-Payment Form

OR

Fill out our Skip-A-Payment form and mail or fax to us.

Download Skip-A-Payment Form

*Achieve Financial members in good standing have the opportunity to skip one month’s loan payment within a 6 month period. For a nominal processing fee, we will advance your next payment due date by one month. The Skip-A-Payment service is being offered on Personal/Unsecured Loans and Auto Loans only. Loans secured by real estate, as well as Visa credit cards are not eligible. Other terms and conditions apply.

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