Personal Loans
Unsecured loans for your unique needs and goals.
- Loans for any purpose imaginable
- Flexible terms to meet your budget
- Rates 10.99% APY*

Whatever Your Borrowing Needs, Adventure is here to help.
YOUR GO-TO COMMUNITY LENDER.
Personal loans can be used for everything from building credit to consolidating debt. Borrow money for any purpose and repay the loan with affordable monthly payments.*
Personal loans are commonly used to:
- Pay for an unexpected bill or expense
- Build or repair credit history
- Consolidate credit card debts
Adventure Credit Union offers members in Grand Rapids, Lansing, and other parts of Michigan a variety of personal loan options:
- Personal Loan: Our standard personal loan, also known as a consumer loan, is an unsecured loan with a repayment term ranging from 13 to 60 months. Loan proceeds can be used for virtually any purpose.
- Adventure Loan: Designed for short term borrowing needs with a maximum repayment term of 12-months. Borrow between $1,000 and $5,000. Enjoy lower interest rates than our standard personal loan.**
- Personal Line of Credit: A revolving loan that allows you to borrow money as needed up to an approved limit. Monthly payments are based on the amount of credit used.
- Debt Consolidation: 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. 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.
- Credit Builder: 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 savings account or Certificate of Deposit. With a share secured loan, you will pay a lower interest rate and continue to earn dividends on your savings.
Get Rate Rewards on your next loan by doing these everyday actions on your checking or savings accounts!
AutoPay Reward*
Earn a 0.15% APR rate discount**** for setting up an automatic payment from an Adventure share.
Usage Reward*
Earn a 0.15% APR rate discount**** for meeting the following usage requirements with one of our Checking Accounts:
- 10 debit card transactions within the last 30 days
- Membership enrolled in eStatements
- $100 direct deposit or mobile deposit within the last 30 days
If you meet both requirements you can lower the interest rate on most new loans by .30% APR*! There are no timeframe restrictions to qualify, and the Rate Reward is good for the life of the loan. Rewards will be automatically applied to your loan.
Borrowers may choose to purchase Debt Protection coverage on their Personal 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 loan, please call or text one of our Trusted Financial Guides at 800.323.2129. You can also use our live chat feature during business hours.
If you’re like most people, your job and paycheck are the foundation of your family’s financial wellbeing. Trouble is, life can be unpredictable.
If you’re unable to work, will your existing coverage be enough or worse- will your spouse or partner be able to keep up with household debts and bills in the event of your unexpected death?
It is possible to plan for the unexpected.
Debt protection is a program that cancels your loan payments or balance up to your agreement terms and maximums in the event of involuntary unemployment, disability, or death.
Contact your credit union about debt protection options today.
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 State of Michigan
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.
How do I join?
If you are seeking a personal loan, we suggest following these steps.
- Apply for your loan
- Wait for us to respond via email
- 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.
Eliminate high interest credit card debts.
Frequently Asked Questions
You do not need to have an account or be a member to apply for a loan with the credit union. If your loan is approved, an account will be opened for you as part of the loan process. Ready to start your application? Visit here.
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.
Adventure Credit Union offers several convenient options for making a loan payment - you can make a payment through online banking, by calling us at 800-323-2129 option 6, or by visiting a branch near you! Some fees may apply. Find a location near you.
We can assist you in setting up a recurring monthly payment from another bank or credit union via ACH. Please call us at 800.323.2129 option 6 to get started. You can also process your own one-time loan payments from another financial institution using digital banking. Log into Online Banking, select Payments, and click on From Debit Card, and then select the loan you are making the payment towards. Fill in the information needed and click submit. Instead of a debit card, you may also use your account and routing information from your other financial institution. Fees apply.
Adventure's Skip-A-Pay service allows qualified members the option to pay a $35 fee to skip their normal monthly loan payment up to twice a year (max 2 skips per rolling 12 months).
You can complete the form in Digital Banking, after logging in, any eligible loans will appear in the “Skip-A-Pay” widget on the “My Accounts” screen. Simply click the “Skip” button and follow the prompts. You can also stop into your local branch to process your Skip-A-Pay. Not sure if your loan is qualified? Give us a call or text us at 800-323-2129 or stop into your local branch.
Friendly, knowledgeable and got the job done quickly and efficiently. Highly recommended!!
*APR = Annual Percentage Rate. Personal Loan rates are valid as of
1/1/2025
, and subject to change without notice. Rate is based on creditworthiness and underwriting guidelines. Not all members will qualify for the lowest rate. At 11.49%, repayment schedule is 60 monthly payments of $21.99 per $1,000 borrowed. Payment example: Loan amount of $6,000 at 11.49% APR for 36 months would have a monthly principal and interest payment of $197.83 for a total loan amount of $7,121.79.
**APR = Annual Percentage Rate. Adventure Loan rates are valid as of
1/1/2025
, 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.
****APR = Annual Percentage Rate. Not valid on all loans, ask an Adventure team member for more information. These Rate Rewards are a one-time discount and available only for loans opened after 10/5/2020. Loan payment will not change, discount impacts the interest that is being applied to the loan. Rate Rewards will be applied to loans automatically.