Personal Loan

Whatever you need, we can help

Personal Loans is rated 4.9 out of 5 by 463.
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Life happens. For the expected and unexpected expenses we all face, our Personal Loans can help you afford whatever you need. From engagement rings, dream vacations, medical bills and home upgrades to debt consolidation, we got you covered.

Apply now!

Loan Perks

competitive-rates

Competitive Rates


Borrow_up_to_50,000

Borrow up to $50,000


terms-up-to-60-months

Terms up to 60 months


no-hidden-costs

No hidden costs or early payoff penalties


easy-payments

Easy payments with Online & Mobile Banking


easy-online-application

Easy application process


 

Loan Options

Signature Loan

  • Lump-sum funding
  • Fixed-rate payments
Apply Now

Signature Line of Credit

  • Low, variable-rate payments
  • Convenient access to your money - online, by phone, by check or in person at any branch
  • Use this for the overdraft protection for your Apple Checking
Apply Now

Savings Secured Loan

If you're looking to build or repair your credit history, consider a Savings Secured Loan. Borrow against funds held on deposit in your Apple Savings/Certificate. Plus, your savings will continue to earn dividends.
Apply Now

Rates

APR as low as*Conditions

Signature Loan

9.24%Up to $50,000Apply Now

Signature Line of Credit (Variable)

9.49%Up to $50,000; APR is Prime Rate** + 4.24 - 14.99%Apply Now

Savings Secured (Regular Savings)

3.00% plus the dividend rate paid on the deposit accountSavings are pledged for loan; amount of the loan cannot exceed the balance in the account securing the loanApply Now

Savings Secured (Certificates)

2.00% plus the dividend rate paid on the deposit accountCertificates 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 termApply Now

*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.

 Includes a 0.25% Direct Deposit rate discount; subject to change at any time. Rates are based on an evaluation of applicant credit and amount financed. Your actual APR will be disclosed at the time of disbursement. Not all applicants will qualify for the lowest rate. 0.25% rate discount contingent upon an active, monthly direct deposit of $1,000 or more into an Apple FCU Savings or Checking account. If you fail to set up Direct Deposit within 60 days of Loan closing, or at any point during the life of the Loan are no longer receiving the Direct Deposit minimum of $1,000 a month, the rate will increase by 0.25% above the interest rate disclosed in the Loan and Security Agreement, beginning the first day of the month following any such occurrence, and until all Principal is paid in full. The discount cannot be reinstated during the term of the loan.

What information do I need to get a loan

You'll need:

  • Government issued photo ID - a driver’s license, state-issued ID or a military ID
  • Recent paystub, W2 and/or filed and signed tax returns (for self-employed individuals)

Apply Now

Ask a Question about our personal Loans

More helpful resources

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 Most useful and convenient line of credit At first, my fiancee and I went to Apple seeking a line of credit that would help us fund our wedding expenses. After we were approved and became more knowledgeable about the line of credit, we now see the multitude of benefits this credit can offer us. After our wedding, we plan to use it to consolidate debt and it can serve as a safety net if you link it to your checking account to avoid overdrafts fees. Overall, I'm so happy and thankful to be an Apple member because they have always been there to help me achieve my financial goals. It is because of Apple that I am a home owner, a BMW enthusiast, and soon to be husband.
Date published: 2017-10-29
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
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What credit scores are good enough for a personal loan? 

Asked by: CNote
Thanks for considering an Apple FCU Signature Loan! Our minimum FICO score is generally 580 for this loan type, but that's not the only factor. We look for good/excellent credit, credit on the mend or credit being built. 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. If you're ready to apply, login to Online/Mobile Banking and click 'Apply for a Loan' or visit https://loanapp.applefcu.org/. Should you have additional questions, it's best to speak with a loan officer directly since they may be more specific to you. Feel free to just give us a call at 703-788-4800, option 5, or stop by any Apple FCU branch.
Answered by: AppleFCU
Date published: 2019-02-12

Hello. I have been a member since 2017. I have poor credit but I would like to get a personal loan to pay off credit card debt and smaller loan. Is that possible through Apple FCU?

Asked by: James M
Apple FCU's Signature Loan can be used to pay off other creditors, provided you qualify for the product, amount needed, etc. To get started, login to Online/Mobile Banking and click 'Apply for a Loan', if you haven't already. A representative will be in touch to discuss your options.
Answered by: AppleFCU
Date published: 2019-02-12

My husband and I need to consolidate debt into one payment to get ahead. Can we both be on application for consolidation loan.

Asked by: Meredith
Yes, the Apple FCU Signature Loan does allow for more than one person to be on the loan. To get an application started, login to Online/Mobile Banking (for the member who wishes to be primary on the loan), and click 'Apply for a Loan'. You're welcome to call 703-788-4800 or visit a branch if you'd prefer.
Answered by: AppleFCU
Date published: 2019-02-12

How do I log in to my loan I got from you through Lending Tree?

Asked by: Joshua
To enroll in Online Banking as a new user, visit www.AppleFCU.org, and click 'Enroll' in the Online Banking window on the home page. You'll need your Member Number the first time; during enrollment you'll set a personalized username and password. If you need further assistance, please call 703-788-4800 or Chat with a representative online during business hours (look for 'Live Chat' button on right side of page).
Answered by: AppleFCU
Date published: 2019-01-17

Will it be possible for me to get a loan to pay off all my credit cards with a 595 credit score?

Asked by: timmy
The score you noted is in-line with our guidelines for an Apple FCU Signature Loan; however, 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. We'd welcome your application to see how we might be able to help. https://loanapp.applefcu.org/
Answered by: AppleFCU
Date published: 2018-11-14

I am making double payments on my signature loan and I notice that interest is being subtracted from the 2nd payment. Why is this

Asked by: rayvnm
For account-related assistance, please call 703-788-4800.
Answered by: AppleFCU
Date published: 2018-08-27

Do you check credit (hard pull) for shared secured loan?

Asked by: Eldar
Yes, a full underwriting review is conducted for any Apple FCU lending application.
Answered by: AppleFCU
Date published: 2018-08-16

What is the savings secured loan

Asked by: Lisa14
An Apple FCU Savings Secured Loan uses funds in an Apple FCU Savings account as collateral for your loan. The funds are held on deposit during the term of the loan. If you have further questions, please call 703-788-4800 to speak with a lending specialist.
Answered by: AppleFCU
Date published: 2018-08-15
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