Personal loans

Details

We’re offering a 0% loan (yep, there’s really no interest!) to bring some much-needed stability to your life as you face unexpected expenses due to the COVID-19 pandemic.

• Loans for up to $3,000 per person to cover costs or lost funds associated with COVID-19
• Members and non-members are encouraged to apply

How to apply

• Review the guidelines and learn more:
  • Click here to view the Personal Loan Community Assistance Loan Fund Guidelines
• To start your application, email [email protected]

Alternatives Federal Credit Union is an Equal Credit Opportunity lender and encourages applications by women, people of color, and WBE and MWBE business enterprises, among others.

A special thank you to the Community Foundation of Tompkins County and our other community partners for making the AFCU Community Assistance Loan Fund possible

Details

• Competitive fixed rates for a wide range of personal needs:
  • Start a new hobby
  • Remodel your home
  • Go on vacation
  • Finance education expenses
  • And more
• Loan amounts of up to $20,000
• Flexible terms of up to 5 years
• Monthly payments that fit your budget
• Local decision-making and processing
• Expert lenders to guide you
• Detailed, attentive service from start to finish
• For a $5000 loan for a term of 5 years with a 9.24% APR, the monthly payment will be $104.19

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• Pay down your debt
• Save money by combining multiple loans into one payment
• Tailored to your situation
• Just one payment to make every month
• No pre-payment penalty
• Lower rate helps pay off debts sooner
• Local decision-making and processing
• Experienced lenders to guide you
• Detailed, attentive service from start to finish
• For a $5000 loan for a term of 5 years with a 9.24% APR, the monthly payment will be $104.19

Details

• Competitive fixed rates for unexpected expenses:
  • Car breakdown
  • Medical expenses
  • Veterinarian bills
  • Home repairs
  • And more
• Loan amounts of up to $4,000
• Flexible terms of up to 4 years
• Monthly payments that fit your budget
• Local decision-making and processing
• Expert lenders to guide you
• Detailed, attentive service from start to finish
• For a $4000 loan for a term of 4 years with a 8.0% APR, the monthly payment will be $97.50

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• Helps establish credit by using alternative credit verifications to determine credit worthiness
• Credit verifications include:
  • On-time rent payments
  • Insurance payments
  • Medical bill payments
• For a $1000 loan for a term of 18 months with a 14.00% APR, the monthly payment will be $61.74

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• Convenient overdraft protection acts as an emergency line of credit
• Alternative to costly NSF fees
• Competitive rate
• Accommodating payments to fit your budget
• Only pay interest on portion you use
• Revolving credit — as principal is repaid, more becomes available for use
• Leaves savings intact
• No collateral needed
• Rate is 14.25% fixed, no minimum, transaction, activity or similar charge that is a finance charge, no membership or participation fee

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Details

• Borrowers use their funds or loan funds to secure a loan at a low rate
• Funds are released when the loan has been satisfied
• Excellent way to improve your credit score
• Local decision-making and processing
• Experienced lenders to guide you
• Detailed, attentive service from start to finish
• For a $2000 loan for a term of 36 months with a 2.65% APR, the monthly payment will be $57.83

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