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Personal Loans

Loans for the Big and Small Things in Life

Unsecured Loans • Share Secured Loans • Student Loans

Unsecured Loans

Personal Loans

This low-cost loan is great for any purpose, and you can pay it back at your own pace. Varying terms available.

Lines of Credit

Get a credit line up to $25,000 for any purpose, or use it as an overdraft source on your Checking Account. You only make payments on the portion you use.

Our Personal Loans and Lines of Credit include:

  • Loan amounts from $500 to $25,000
  • Low rate
  • No collateral needed
  • Flexibility to use any way you like

Unsecured Loan Rates

As of 09/26/2021

Unsecured Loans

APR* as low as

Personal Loan-Fixed Rate


Line of Credit-Variable Rate


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Share Secured Loans - To Improve Your Credit

Savings Secured Loans

A Savings Secured Loan might be a good choice if you have funds in a savings account that can be used as collateral. Secured loans allow you to build your credit score with a personal loan on your own funds.

Certificate Secured Loans

With a Certificate Secured Loan, you can get the money you need, maintain your Certificate, and continue to earn dividends. It's a great way to avoid penalties for withdrawing Certificate funds before the maturity date.

Share Secured Loan Rates

As of 09/26/2021

Share Secured Loans Rate
Savings Secured
Borrow up to 100% of your savings up to $5,000
Savings Rate + 3.50%
Certificate Secured Loan
Borrow up to 100% of your savings up to $5,000
Savings Rate + 3.50%


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Share Secured Loans have a maximum loan amount of $5,000 per member; and a maximum loan amount of $1,500 for memberships 12 month or newer.

*APR (Annual Percentage Rate) subject to change. Rate shown includes 0.50% discount for automatic payments from an American First account. Rate may vary with amount financed, term of loan, down payment, payment method, and individual's credit profile. Rates subject to change without notice. Certain restrictions may apply. A lifetime $5 membership fee may apply.

Student Loans for American First Credit Union by Sallie Mae®

Whether you’re an undergraduate student, graduate student, or parent, get money for school from Sallie Mae. Student loans from American First in partnership with Sallie Mae could help!

  • Competitive interest rates 
  • Multiple repayment options
  • No origination fees; no prepayment penalty1

Find Out Which Loan is Right For You


Borrow responsibly. We encourage students and families to start with savings, grants, scholarships, and federal student loans to pay for college. Students and families should evaluate all anticipated monthly loan payments, and how much the student expects to earn in the future, before considering a private student loan.

These loans are made by Sallie Mae Bank or a lender partner. American First Credit Union is not the creditor for these loans and is compensated by Sallie Mae for the referral of loan customers.

Smart Option Student Loan and graduate loan products: This information is for students attending participating degree-granting schools. Smart Option Student Loan information is for undergraduates only. Graduate Certificate/Continuing Education coursework is not eligible for MBA, Medical, Dental, and Law School Loans. Borrowers must be U.S. citizens or U.S. permanent residents if the school is located outside of the United States. Non-U.S. citizen borrowers who reside in the U.S. are eligible with a creditworthy cosigner (who must be a U.S. citizen or U.S. permanent resident) and are required to provide an unexpired government-issued photo ID to verify identity. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply.

Parent Loan: This information is for borrowers with students attending participating degree-granting schools. The student is not eligible to be a borrower or cosigner. The borrower, cosigner and student must be U.S. citizens or U.S. permanent residents. The school may refund loan funds directly to the student, and if that occurs, borrower, and cosigner (if applicable) would still be responsible for repaying that amount. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply.

1 Although we do not charge you a penalty or fee if you prepay your loan, any prepayment will be applied as provided in your promissory note: First to Unpaid Fees and costs, then to Unpaid Interest, and then to Current Principal.


© 2019 Sallie Mae Bank. All rights reserved. Sallie Mae, the Sallie Mae logo, and other Sallie Mae names and logos are service marks or registered service marks of Sallie Mae Bank. All other names and logos used are the trademarks or service marks of their respective owners. SLM Corporation and its subsidiaries, including Sallie Mae Bank, are not sponsored by or agencies of the United States of America.

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