Personal Loans

Personalized loans for your unique needs and goals.

  • Simple Application
    Simple Application

    Start online and get approval quickly.

  • Financing Options
    Financing Options

    Choose to receive your money as a lump-sum loan or line of credit.

  • Variety of Uses
    Variety of Uses

    Apply your loan to any expenses
    you can imagine.

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get the financial flexibility you want
Adventure VISA
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If you're looking to build or repair your credit history, consider a Savings Secured Loan. With this option, you can borrow against money held on deposit in your Adventure Credit Union share or savings account or Certificate of Deposit. Plus, your savings will continue to earn dividends.
If you are looking for a great way to help you reduce your monthly expenses and free up some cash flow, consider a Debt Consolidation Loan from Adventure Credit Union. By allowing one of our knowledgeable staff to review your credit report, we can see if there is any potential to refinance or consolidate your existing debt. For more information, please try our live chat feature or call/text us at 800.323.2129.
  • No application fee or collateral needed
  • Low, fixed rate of 9.49% APR*
  • Borrow from $1,000 to $5,000
  • Take up to 12 months to repay

Borrowers may choose to purchase Debt Protection coverage on their Craft Loan.  Watch the 30-second video below to learn about the benefits of this optional coverage.

If you're interested in adding Debt Protection to any new or existing Adventure Credit Union Craft Loan, please call or text one of our Trusted Financial Guides at 800.323.21299.  You can also use our live chat feature during business hours.

If you are not yet a member of Adventure Credit Union, you are still welcome to apply for a personal loan.  If your loan application is approved, you will need to join the credit union before your loan can be disbursed.  Don't worry, we'll walk you through the process, and it only requires a $5 deposit to your new share account.

Adventure Credit Union is open to anyone who lives, works, worships, or attends school in the following counties: Allegan, Barry, Clinton, Eaton, Ingham, Kent, Livingston, Newaygo, Ottawa, and Shiawassee.

Have questions for us?  Click the "Chat with Us!" button or text us at 800.323.2129 between 9am - 5pm, Monday - Friday.  After-hours, please call us at 800.323.2129.

Who is Adventure Credit Union?

Simply put, we're like a bank but better!  Like a bank, we offer financial services: loans, mortgages, savings accounts, checking accounts, and more.  Unlike a bank, we're a not-for-profit organization owned by our members.  This means, we work in the best interest of our members (i.e., accountholders) rather than investors.  Our non-profit status allows us offer low interest rates on our Holiday Loans and keep our account fees to the bare minimum.  When you open a share account with Adventure Credit Union, you'll never be charged a minimum balance fee or an account maintenance fee.


How do I join?

If you are seeking a personal loan, we suggest following these steps.

  1. Apply for your loan
  2. Wait for us to respond via email
  3. We'll walk you through opening your new membership

Even if your loan application is denied, you're still welcome to apply for membership at Adventure Credit Union.

Personal Loans
Rates Effective: June 3, 2024
Personal Line of Credit as low as 18.00%n/a
Single Payment Loan as low as 13.00%n/a
Signature Loan13 to 60 monthsas low as 11.49%n/a
Adventure Loanup to 12 monthsas low as 10.49%n/a
Debt Consolidation Loanup to 60 monthsas low as 11.49%n/a
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*Rate valid as of 9/30/2022, and subject to change without notice.  Rate is based on creditworthiness.  Not all members will qualify for the lowest rate.  Max. loan amount is $30,000.  Max. term is 60 months.  At 9.99%, repayment schedule is 60 monthly payments of $21.24 per $1,000 borrowed. Payment example: Loan amount of $1,000 at 9.99% APR for 12 months would have a monthly principal and interest payment of $87.91 for a total loan amount of $1,054.93.
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