Flexible Funds. Fast Approvals. Powered by You.

Life doesn’t wait and neither should your finances. Whether you’re consolidating debt, covering unexpected expenses, or funding a big moment, an ALCU Personal Loan gives you quick access to cash with no collateral required, and fixed monthly payments that fit your budget.

Why Members Choose Us

• Borrow up to $10,000
• Competitive fixed rates
• Flexible terms up to 60 months
• No prepayment penalties or application fees
• Fast approvals
• Loan protection options available
• Use for anything: debt consolidation, medical costs, travel, education, or emergency needs

Loan Protection Options

• Payment Protection Plan – covers monthly payments or loan balance in case of death, disability, or involuntary unemployment.

Easy Ways to Pay

• Set up automatic monthly payments via direct deposit or ACH
• Pay anytime through Online and Mobile Banking
• Pay with your debit or credit card online
• Mail your payment to us
• Visit our branch or a shared branch location

Consolidate Smarter

Refinance high-interest balances into one predictable, affordable monthly payment. One loan. One due date. One step closer to financial freedom.

Ready to Take Control?

• Apply online now to start the process right away; or
• Talk to a local loan specialist who can help you find the best option for your needs.

Membership eligibility required. All loans subject to credit approval. Rates, terms, and conditions may vary. Optional protection products are available and may have additional costs, eligibility requirements, and exclusions. Payment convenience features may have fees to use. Contact us for full details.