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Home » Personal Banking » Loans » Personal Loans
Personal Loans is rated 4.9 out of 5 by 241.
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Tackle most any expense with a Signature Loan from Apple.

Home Furnishings. Dream Vacations. Debt Consolidation. You have a variety of reasons, we have a variety of loans!

Features:
  • Competitive rates
  • Borrow up to $50,000
  • Terms up to 60 months
  • Easy application process
  • Quick loan turnaround time
  • Lump-sum funding
  • Fixed rate payments
  • No early payoff penalties.
Ask a Question about our Signature Loan

If you're looking for easy access to a flexible source of money to consolidate debt, tackle car repairs, pay for a wedding or most any other purpose, then choose an Apple Signature Line of Credit.

Features:
  • Competitive rates
  • Borrow up to $50,000
  • Easy application process
  • Quick loan turnaround time
  • Low, variable rate payments
  • Convenient access to your money—online, by phone, by check or in person at any branch
  • Use this for overdraft protection for your Apple Checking
  • Easy, online payments in Online Banking
  • Apply in a branch, over the phone or online.
Ask a Question about our Signature Line of Credit

If you're looking to build or repair your credit history, consider a Savings Secured Loan. With this option, you can borrow against money held on deposit in your Apple Savings or Certificate account. Plus, your savings will continue to earn dividends.

  • Low rates
  • Easy application process
  • Quick loan turnaround time
  • Amounts up to 100% of funds held in your Apple Savings or Certificates account
Loan Type
Approximate Terms
APR as low as* Conditions
Signature Loan 8.99 % Up to $50,000
Signature Line of Credit - Variable 7.74 % Up to $50,000; APR is Prime Rate** + 3.99 - 14.74%
Savings Secured (Regular Savings) 3.00 %
plus the dividend rate paid on the deposit account.
Savings are pledged for loan; amount of the loan cannot exceed the balance in the account securing the loan
Savings Secured (Certificates) 2.00 %
plus the dividend rate paid on the deposit account.
Certificates are pledged for loan; amount of the loan cannot exceed the balance in the account securing the loan and must be equal to or less than the Certificate term
Student Choice Loan Solution 8.50 % Line of Credit up to $75,000

* APR = Annual Percentage Rate. Rates are based on an evaluation of applicant credit. Your actual APR will be disclosed at the time of disbursement. Not all applicants will qualify for the lowest rate.

**Index as published in the Wall Street Journal on the first business day of the month preceding Jan. 1, April 1, July 1, and Oct. 1.

Rated 5 out of 5 by from Personal Loan I attempted to get a loan through Apple a year ago and was denied. I tried this year and your Representative Wally was simply awesome!!! He worked with me. He was personable while the first rep name I don't remember because she was more robotic than human. I commend Wally he made a very nerve racking situation easy. He was patient, compassionate, professional and thorough. Thanks to him I am still a member of Apple FCU. I figured if I couldn't get a loan where I have my checking account it didn't make much sense to be a member there. Sally and his professonalism made the difference.
Date published: 2015-08-23
Rated 5 out of 5 by from Number One Credit Union in the United States My experience was fantastic when applying for a loan with Apple Federal Credit Union. I was able to do everything over the phone which was so convenient since the closest branch to me is in Stafford, Virginia. I want to commend the staff person I was working with but do not remember her name. She was simply amazing!!! Since I am not used to the advance use of banking technology, she was very patient with me so that I could understand the process. I am very pleased with my experience and have recommended friends and family to become a member of Apple Federal Credit Union.
Date published: 2016-01-04
Rated 5 out of 5 by from Thank You and understanding my financial dilemma I can't thank you enough for trusting me and enduring I needed a little financial help at a time like this!! It's a God sent gift and I'll do my very very best to follow through with great enthusiasm and loyalty to repay my loan/debt in full and by keeping my checking account on good standings. We are living in a time where all are experiencing hardship of some kind. And also we are living in a time where we don't who or what to expect where our helpers will be or come from!! But know I'm very grateful cause you didn't have to do this for me!!!
Date published: 2016-02-13
Rated 5 out of 5 by from Apple FCU: A Company that cares I do not have the best credit in the world and for the last year or so I been focus on rebuilding my credit score. I went to several different banks and credit unions but only to be denied. Apple FCU gave me a chance and took a risk with me when no one else would. I am forever grateful for your company and service. You made me feel like a family member and that's rarely found these days. Thank you from the bottom of my heart. Thank you.
Date published: 2015-08-13
Rated 5 out of 5 by from Smooth and Easy Loan Process - Signature Loan Apple has been so easy to work with over the years. They took me in after my divorce and subsequent financial difficulties. I have taken advantage of all they have to offer and am so thankful for their smooth and easy loan process. I have paid off a car loan, have a current car loan, and a credit card and I just got a signature loan so we can finance having a baby by IVF! Apple has been there for me every step of the way!
Date published: 2015-07-09
Rated 5 out of 5 by from Loan for a much needed used car Walk-in inquiry led to a quick and easy signature loan application. My older car had just died on me a month after paying $1,500 to repair an unrelated issue and as luck would have it, my friend was selling her 2009 Toyota Corolla. Seeing as my car has always been a series of costly repairs, I immediately went to Apple FCU to apply for a loan, hoping to be able to buy the Corolla. The loan was in my account immediately after approval and I was able to buy the car that day. I now have a reliable vehicle to get to and from work and can drive without worrying about the car stalling at a stop. Thanks, Apple!
Date published: 2016-12-27
Rated 5 out of 5 by from World's best personal loan Easy online application, and excellent customer service.
Date published: 2017-04-22
Rated 5 out of 5 by from World's Best Personal Signature Loan I recently applied for a signature loan online for a home improvement project. I had expected the process to take at least several days. I ended up being pleasantly shocked to have received my loan in less than two hours and done entirely online. The extremely efficient and quick loan process made such an impression on me, that I couldn't wait to relay my experience with Apple to many of my friends. They, too, had never heard of such excellent customer service. I have been a member of Apple for 20 years and plan to remain a member for the next 20 years. Sincerely, D. Johnson
Date published: 2016-09-07
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What are the rates for this type of loans

Asked by: Fina
For a listing of Apple FCU Signature Loan rates, visit https://www.applefcu.org/AppleWeb/Rates#tab5.
Answered by: AppleFCU
Date published: 2017-04-18

I am a teacher and my husband and I need to consolidate our debt. How does this work if it is specifically for debt consolidation?

Asked by: Rhart781
Based on a review of your application and credit report, typically one of two things will happen with the proceeds from an approved Apple FCU Signature Loan. 1. The money is deposited to your Checking/Savings account and then you pay your other creditors from it using our FREE Online Bill Pay or other methods; or 2. Apple will initiate payments directly to your other creditors. If you're ready to apply, visit https://loanapp.applefcu.org/. Should you have further questions, please call 703-788-4800 to speak with a representative as they may be specific to your situation. We look forward to serving you.
Answered by: AppleFCU
Date published: 2017-04-04

I came across this site while looking for a place that will approve a personal loan with a cresit score of 568. Is tbis something that is possible?

Asked by: Score568
While the score you noted is in-line with our guidelines, it’s important to note that the FICO score is not the only deciding factor. We look at repayment history, capacity and desire to repay, and length and types of credit history. In short, we look at the entire picture and we look at each borrower individually. Lastly, loans are provided to members of Apple FCU, so you'd have to qualify for membership as well. To join, visit https://www.applefcu.org/Appleweb/Join and once you've got your Member Number, visit https://loanapp.applefcu.org/ to get your application started. We look forward to serving you!
Answered by: AppleFCU
Date published: 2017-04-04

What's the maximum time giving to pay back a loan 

Asked by: BrittBrit
The maximum loan term for an Apple FCU Signature Loan is up to 60 months. Payments are due monthly.
Answered by: AppleFCU
Date published: 2017-04-04

What is the minimum interest rate/APR that you offer on personal loans?

Asked by: Darlena
For current rates on an Apple FCU Personal Loan, please visit https://www.applefcu.org/AppleWeb/Rates#tab5.
Answered by: AppleFCU
Date published: 2017-03-23

I'm a federal employee based out of Guam. We have very limited options to choose from for funding of things. I came across your site based on reviews. Do you service territories?

Asked by: Steve671
Yes, Apple FCU will be able to assist you, provided you qualify for membership. For details on joining, visit https://www.applefcu.org/Appleweb/Join. Once you've got your Member Number, visit https://loanapp.applefcu.org/ to get your application started. We look forward to serving you!
Answered by: AppleFCU
Date published: 2017-03-23

Hi there , I would like to know if I can apply with an ITIN #, OR TAX ID??

Asked by: Walben7
Yes, you're able to apply using a Tax Identification Number. If you're ready, visit https://loanapp.applefcu.org/. We look forward to serving you.
Answered by: AppleFCU
Date published: 2017-03-23

I would like to increase an existing LOC. Do I do that on-line? if so, how do I do this?

Asked by: Tim T
It's best to speak with a loan officer directly to discuss changes to your existing line of credit. Please contact our Member Service Center at 703-788-4800 (800-666-7996 toll-free), Monday – Friday, 8 a.m.-6 p.m. or Saturday, 9 a.m.-12 p.m. or stop by any Apple FCU branch. We appreciate the opportunity to continually meet your lending needs.
Answered by: Apple FCU
Date published: 2017-02-23
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