Personal Loans

Personal Loans

Your Goals. Your terms.

Flexible Personal Loans for Every Life Moment.

Features:

• No fee to apply
• Wide range of terms to help you get the payment you want
• No hidden charges

Additional Rate Reductions:

• Auto pay
• Active checking account
• Fully Protected Loan discount

Apply Now

Quick Connect Loan

Need quick cash?  Introducing our Quick Connect Loans!  Choose from $500, $750 or $1,500. No credit check and quick approval for qualifying members.

For $500:

QUALIFICATIONS:

• Members with less than 12 months of membership must have received qualifying direct deposits that, based on deposit frequency, reflect a minimum equivalent of at least $500 per month immediately prior to the loan application date, as demonstrated by one of the following:
  o At least six weekly qualifying direct deposits,
  o At least three bi-weekly qualifying direct deposits, or
  o At least two monthly qualifying direct deposits.
• No prior charge-offs or bankruptcies with Acclaim
• Not currently delinquent; all accounts in good standing
• No late payments or hardship requests on other loans within the past six months
• Skip-A-Pay activity on other loans is acceptable

For $750/$1,500:

QUALIFICATIONS:

• Minimum 12 months of membership
• Direct deposit or documented deposit pattern of $500+ per month for at least six months
• No prior charge-offs or bankruptcies
• Not currently delinquent; all accounts in good standing
• No active TDR loans
• No hardship requests within the past six months
• No Acclaim loan reported as 30 days delinquent within the past six months
  • Late fees assessed prior to 30-day delinquency and not credit-reported are acceptable

OTHER TERMS:

• The interest rate is 25.00% Annual Percentage Rate.
• Term is 12 months.
• Example: For a $750.00 Quick Connect personal loan for a term of 12 months with an 25.00% APR, the monthly payment will be $73.00, including optional credit life and disability insurance. The payment without insurance is $72.00
• An application fee of $20 is required at the time of application, regardless of approval.
• Each individual is allowed only one Quick Connect Loan, regardless of the number of member accounts they hold.
• Joint members must have their own open and active account and apply under their account.
• One Quick Connect (Payday Alternative Loan, or PAL) loan outstanding at any time
• Maximum of three PAL loans (PAL I, PAL II, or combination) in any rolling six-month period
• No rollovers; existing loan must be paid in full before a new loan is issued
• Cash only accounts do not qualify.
• Debt Protection is available on all tiers
• Qualifying deposits include employer payroll, pension, or SSI. FinTech transfers (e.g., Zelle, Cash App, Venmo, Apple Pay) do not qualify.
• Please allow up to 2 business days for processing, approval, and funding.
• No credit check required, but we will report your payment history to the credit bureaus.
• Loan proceeds will be deposited into your Acclaim checking account. If you don’t have a checking account, it will be deposited into your savings account.

Apply Now

View the Personal Loan Calculator

 All loans subject to approval. Programs, rates, terms, and conditions are subject to change without notice. Additional terms and conditions may apply.