Apply for a Loan

Our loans fund dreams big and small

  • Apply for a loan to start a new membership
  • Add a loan to an existing membership
  • Choose to open online or in-person

Affordable Loans for Every Occasion

Your Trusted Financial Guide

People in Grand Rapids, Lansing, and across Michigan trust Adventure Credit Union for their borrowing needs. Whether you need a small personal loan to cover an unexpected bill, an auto loan to get back on the road, or a mortgage for your dream home, we're here to help!

How to Apply for a Loan

Whether you're a long-time member or establishing a brand-new membership, we make it easy to obtain a loan.

  • Apply securely online
  • Existing members can save time by applying through digital banking
  • Apply in-person at a Lansing or Grand Rapids area branch

What You'll Need

In addition to meeting our membership eligibility, borrowers will need the following:

  • Valid government-issued ID card
  • Proof of income
  • Proof of address
  • Social Security card (new members only)
  • $5.00 for your initial deposit (new members only)
  • Additional documents may be requested

Working in your best interest.

View All Rates
APR** as low as
5.24 %
Auto Loans
APR* as low as
9.99 %
Personal Loans
View All Rates

Frequently Asked Questions

The time to close on a loan can depend on a lot of factors including the type of loan. For more information and a potential timeframe estimate we suggest connecting with one of our lending specialists. Give us a call at 800-323-2129 option 4.

Yes! We are happy to help you with refinancing a loan from a competing financial institution. We love to help our members secure a lower monthly payment, a lower interest rate, or both. Apply for a loan online.

The application process was quick, and the response was fast. The representative was friendly and efficient.

- Donald W.

Adventure Credit Union is a full-service credit union in Michigan with branches in the Greater Grand Rapids and Lansing areas. All those who live, work, worship or attend school in the State of Michigan are eligible to join.

*APR = Annual Percentage Rate. Rate valid as of 4/1/2026 , and subject to change without notice. Rate is based on creditworthiness and underwriting guidelines. Not all members will qualify for the lowest rate. At 7.74%, repayment schedule is 75 monthly payments of $16.88 per $1,000 borrowed. Payment example: Loan amount of $20,000 at 7.74% APR for 75 months would have a monthly principal and interest payment of $337.68 for a total loan amount of $25,325.82.

**APR = Annual Percentage Rate. Adventure Loan rates are valid as of 4/16/2026 , and subject to change without notice. Rate is based on creditworthiness and underwriting guidelines. Not all members will qualify for the lowest rate. Maximum loan term is 12-months and maximum loan amount is $5,000. At 10.49%, repayment schedule is 12 monthly payments of $88.14 per $1,000 borrowed. Payment example: Loan amount of $1,000 at 10.49% APR for 12 months would have a monthly principal and interest payment of $88.14 for a total loan amount of $1,057.73.