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Arsenal Credit Union Personal Loan Calculator & Overview

Carla Soto
Carla Soto
Updated 10 Aug 2023
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Arsenal Credit Union logo

Arsenal Credit Union was established as Aero Chart Credit Union in August 1948. The credit union is based in Arnold, Missouri, and has $369 million in assets. ACU is the eighth-largest credit union in St. Louis and the eleventh-largest in Missouri.

Is an Arsenal Credit Union personal loan the best option for you? Use the Arsenal Credit Union personal loan calculator to see your estimated loan repayment amounts. Learn about the interest rates, repayment options, and amortization schedule.

Personal loans have an annual percentage rate (APR) varying from around 3% to 36% APR. The interest rates you can receive will depend on a range of factors, such as your credit score, income, and debt-to-income ratio. On a loan of $10,000 over 5 years, the cost could vary between $10,781 and $21,680. The interest cost is between $781 and $11,680.

Summary of Arsenal Credit Union personal loans

Arsenal offers personal loans which you can use for big purchases or unexpected life expenses. Need money for debt consolidation, establishing a credit history, or buying a car? Arsenal could help you get the funds you need.

Features of Arsenal’s personal loan

These are the details of an Arsenal personal loan:

  • Loan amount: $12,000 maximum
  • Loan term: up to 60 months
  • No application fee
  • Interest rate: starts at APR 9.99%
  • Repayment option: Fixed-rate monthly repayments
  • Skip-a-Pay program: skip a payment once every 12 months
  • Application process: Fill out the form in-person or online

If you are a first-time borrower with no credit history:

  • Borrow a maximum of $2,500 for the first time
  • Maximum APR of 13%
  • Fixed monthly repayments
  • Loan terms of up to 36 months

Requirements for an Arsenal personal loan

Before submitting a personal loan application at Arsenal, you must first join to become a member. Just make sure you meet any of the qualifications below:

Arsenal Credit Union personal loan calculator

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Product Information
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Repayment
Interest
Rate
Repayment
Period
Loan
Amounts
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Loan Amount

$20,000

Term

3 months

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Minimum and maximum loan periods vary between 1 month and 10 years. Annual Percent Rates (APR) vary between 4.99% and 35.99% p.a. Total interest repayments vary between $592 and $916 over the life of the loan. *APR is based on an unsecured loan of $20,000 over a term of 3 years. WARNING: This APR is true only for the examples and may not include all charges. Different terms, fees or loan amounts might result in a different APR. These rates can change without further notice.

Frequently asked questions

Why should I apply for a personal loan from Arsenal?

Arsenal Credit Union offers better loan terms, competitive rates, and flexible repayment options. You can use the money for medical bills, new appliances, or even a wedding. Moreover, the funds will be directly disbursed as a lump sum to your account.

What are the current interest rates for Arsenal personal loans?

Our personal loan interest rates are substantially lower than payday loans. Arsenal loans are also far safer for your overall financial situation. Our fixed rates begin at 9.99% APR. Furthermore, these can be extended for up to 60 months.

What exactly is the Skip-a-Pay Program?

Arsenal’s unique Skip-a-Pay program gives you a breather from repayments without causing any credit damage. You are entitled to skipping a payment once every 12 months. This can be repeated up to five times for the entire loan duration. Contact the bank representative for more details.

Are non-members allowed to submit a loan application?

If you are not an Arsenal Credit Union member, you must first open a savings account. You can proceed with both applications at the same time.

How can I become a member??

Arsenal Credit Union membership begins with a savings account. You and any joint owners permit Arsenal Credit Union to get a credit report. This is part of the online account opening process.

How can I obtain a copy of my credit report?

Go to AnnualCreditReport.com to get a free copy of your credit history. It is run by the three national credit reporting bureaus – Experian, Equifax, and TransUnion.

Can I apply for a personal loan at Arsenal CU if I am under the age of 18?

If you are 16 or 17, apply with a co-signer of legal age. You may even be qualified for the special rate. However, make sure your co-signer is fully qualified for credit.

Video: Check out if Arsenal Credit Union is where you should apply for a personal loan

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Carla Soto
Carla Soto

Carla is a skilled copywriter at BestFind with a background in marketing and communications. She specializes in reviewing personal loan and finance products to help readers navigate the complex world of personal finance.

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