Consumer Loans

One of the primary ways we serve our members is through affordable, convenient loans. We have a variety of loan options to meet your needs. Whether you have a need to consolidate debts, establish credit, purchase a new or used vehicle, refinance an existing vehicle loan, take a nice vacation, pay taxes or any other worthwhile purpose, we have a loan program designed for you.

Our goal is to make sure you receive prompt, confidential and courteous service all while paying the lowest possible rates with the most flexible terms. We want to make your borrowing experience quick and hassle-free. In most cases, loan applications submitted in person, by mail or by phone can be approved immediately.

Our various loan types mean that we generally can suit whatever your loan needs may be. We offer:

  • Consumer loans
  • Share or Certificate Secured Loans
  • Unsecured Loans
  • 90-day Notes

What is your need? Make it a habit to always check with American Partners FCU when you have any lending need, large or small. You’ll be glad you did!


Consumer loans require some type of collateral. The most popular types of consumer loans are vehicle loans. We also finance motorcyles, RV’s and farm equipment (if it is 8 years or newer). Is your security financed elsewhere? Check out our rates to see if refinancing is right for you. Considering a purchase? Let us pre-approve you and send you shopping! Before you buy, call American Partners FCU. Don’t be misled by dealer offers. Qualified members may borrow up to 100% of the retail value based on the NADA book value for Used Vehicles and MSRP for New Vehicles.  APFCU will finance the vehicle up to 72 months. See us first for the rates and terms that are right for you!

Put your money to work for you! Money on deposit in your share or certificate accounts can be used as collateral on loans. When you borrow against your own money, we secure the money in the account and you only pay 3% over the dividend rate on the secured loan. Your money stays in your account all the while continuing to earn dividends. Share secured loans can generally be used for any purpose, including overdraft lines of credit and secured Visa credit cards. Simple, easy, and quick! Check to see if a share secured loan is right for you!


Not every loan requires collateral or security. Unsecured loans are available for a variety of purposes. Are you tired of high rate credit cards that never seem to reduce no matter how much you pay each month? Consider a debt consolidation loan or transfer the balances to an American Partners FCU Visa. Does your checking account seem to run short just before payday? Consider an Overdraft Line of Credit. Does your dream vacation always seem just out of reach? Perhaps a signature loan would be the answer. Car repairs always seem to be necessary when the money isn’t available. With our low rates and flexible terms on an APFCU Visa, signature loan or Overdraft Line of Credit, you won’t need to stress about making ends meet. Call an APFCU Account Specialist to see just how easy getting an unsecured loan can be!

Do you ever need to borrow money for a short period of time? Perhaps a 90-day note is what you need. You may use a note for almost any purpose for which you would a regular loan, secured or unsecured. The difference is no monthly payments. When a 90-day note comes due, you have the option of paying it in full, paying a portion of the principal and all of the interest or paying the interest only and renewing the principal. The note can be renewed up to three times for a maximum of 365 days. If short-term borrowing is your need, contact an American Partners FCU Account Specialist to see if this type of loan is right for you!