Reminder: Alabama Central Credit Union will never contact you and ask for personal information by text, email, or an unsolicited phone call. This includes requests for passwords, challenge question answers, security codes, and any other sensitive information. Please contact Alabama Central directly at 1-800-223-2415 if you have any questions about any request received.

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PERSONAL TERM LOANS

Big or Small, We Can Help You Finance Your Dreams

We offer two main types of Personal Loans – Secured and Unsecured. Let’s explore the differences:

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  • Use a savings account or certificate of deposit as collateral, which can lead to a lower interest rate.
  • Your secured savings account continues to earn interest while you repay the loan.
  • Secured loans can be a great way to build credit history.
  • You can finance a wider range of purchases and financial needs with a secured loan.

  • No collateral required - all you need is a signature!
  • A good option if you need cash quickly and don't want to tie up your savings.
  • We still offer competitive interest rates on unsecured loans.
  • You can finance a wide range of financial needs with an unsecured loan.

  • Competitive Rates: Get started with rates as low as 6.00 APR*% to make your dreams more affordable.
  • Flexible Uses: Our Personal Loans can help you with:
  • Vehicle repairs or upgrades
  • Family vacations
  • Educational expenses
  • Home improvement projects or starting a business
  • And much more!
  • Customized Repayment: Choose a loan term that fits your budget and repayment style.
  • Fast and Easy Approvals: We make the application process quick and convenient, with local decision-making.
  • Friendly Service: Our team is here to answer your questions and guide you throughout the process.