Personal Loans

You’ve got plans. We’ve got Personal Loans to help.

Life is full of unexpected opportunities and sometimes expenses. We have a variety of loan products to fit your needs. Whether you're consolidating debt, covering unexpected expenses or treating yourself to something new, we can help! A Personal Loan can provide the security you need to feel confident, so that you’re prepared for whatever life throws your way — and with a low rate, you’ll have more quality time to focus on what matters.

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Applying for an All In Personal Loan is Easy

Applying for a Personal Loan with All In Credit Union is easy. Using our online application system, you can quickly complete your application from the comfort of wherever you are, and our team can get the documents needed right to you through our online system. Best of all, it's a highly secure system, so your information is always protected. Apply online or you may also apply by calling us at 334.598.4411 or visit one of our 30 branch locations

Enjoy the advantages:

  • No Application Fees
  • Fast Approval Decisions
  • Competitive Rates & Flexible Terms
  • Local Decisioning & Faster Processing Time
  • Free Credit Score & Activity Monitoring
  • Access to Make Payments Online, By Phone & Automatic Withdrawal

Unsecured Loans

Get the extra cash you need with a flexible personal loan.

There are times, despite our best efforts to save when we need some extra money. Sometimes we need help making our paycheck stretch to cover unexpected expenses. At other times, we want to seize the chance to take a vacation or make a purchase. These are the times when an Unsecured Loan comes in handy. Also known as a signature loan, an unsecured is perfect for those moments when you need a little financial assistance to help you get to your next chapter in life.

Share Secured Loans

Build your credit with a loan backed by your savings.

An All In Share Secured Loan is a good idea if you're looking to build your credit or you need to make a necessary purchase, but don't want to dip into your savings. With a Share Secured Loan, you borrow against your savings at All In Credit Union and receive a lower-rate loan with up to 60 months to repay, while still earning interest on your financial resources on deposit. It’s a smart way to meet an unexpected expense without touching a penny of your savings or to begin building a positive credit history. The interest rate on your loan is only 3% above the current share rate. 

Certificate Secured Loans

The funds you need backed by your interest-bearing CD.

An All In Certificate Secured Loan allows you to borrow against your certificate while maintaining its earnings. If you have a share certificate, but need some extra cash, no need to worry. Our certificate secured loan may be the answer. By borrowing against your certificate at 3% above your current certificate interest rate, you avoid having to pay early withdrawal penalties. You also continue to earn interest on your investment and you pay a low rate on your loan.

Lines of Credit

Instant access to cash when you need it.

We offer a line of credit as your instant source of cash for repairs, travel or other special purchases. The line of credit offers a low, fixed interest rate to help you plan for unexpected purchases. Payments are only required when you use it and when you pay the balance down, it will be ready to use again. When you apply, you can even ask to have the line tied to your checking account to act as overdraft protection.

Loan vs. Line of Credit — What is the difference?

In general, loans are better for large, one-time investments or purchases. This could be the purchase of a new home or car or paying for a college education. Lines of credit, on the other hand, are better for ongoing, small or unanticipated expenses or to even out income and cash flow. For instance, one might use a credit card to pay for medical expenses or household expenses every month. One might take out a personal line of credit to have access to funds that can carry them from a bad month to a good month or when an unexpected, large expense arises.

Our lines of credit have a minimum loan amount of $500 and a $50 minimum advance amount.

We're also happy to offer Secured Lines of Credit

Use your collateral instead of depleting your funds. A Secured Line of Credit is a way to cover unexpected expenses while leveraging what you have. We're here to help with options you can use to get ahead. 

Credit Builder Loans

If you’ve had past challenges with your credit, we want to help you get back on track

Do you need to find a way to build some credit so you can finance a car or home someday? With our credit builder loans, we can help you get started on your way to good credit. If you have no credit, we will loan you up to $1,000 to get you started. This type of loan is handled as a share certificate loan, meaning the amount loaned to you will be placed in a share certificate for the length of your loan. Once your loan is paid off in full, the funds in the certificate are yours to spend - or save, as you like. A Credit Builder Loan can also help with establishing credit to show lenders that you can be trusted. 

How can a Credit Builder Loan help my credit?

A credit-builder loan is a type of installment loan, which has fixed monthly payments. Paying off installment loans on time contributes to healthy credit scores. In fact, payment history across all your accounts—including credit cards, student loans, auto loans and credit-builder loans—makes up 35% of your credit score, the largest share. Credit-builder loans help you build credit if you don't yet have any accounts, and they can help restore credit if you have negative marks, like missed payments, on your credit report. By making on-time payments, you'll show lenders you can be trusted to take on other lines of credit in the future.

*Some restrictions may apply.

Pay Loan from External Account

Need to make a loan payment now before it’s late? Need to use a checking account, credit or debit card from another financial institution to make the payment?

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Apply for our Credit Card

We offer credit cards with low rates and great terms. Plus, no annual fee or balance transfer fee!

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*APR = annual percentage rate. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Advertised rates may change at any time. Offer good with approved credit for loans new to All In Credit Union.