Fast, Affordable Access to Funds
Personal Loans and Lines of Credit
Flexible borrowing solutions to meet your financial needs.
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Loans Personalized for You
From home projects to life’s big moments and everything in between, Andrews Federal offers flexible financing designed to move you forward. With low rates, generous borrowing limits, and a simple application process, getting the funds you need is easier than ever—so you can focus on what matters most.
Your Questions. Answered.
Frequently Asked Questions about Personal Loans
Learn about personal loan criteria, funding, and more.
How do I decide which loan is right for me?
Choose a Signature Loan for one-time needs, a Line of Credit for flexible borrowing, or a Share Secured Loan for low rates if you have savings. Overdraft and Cash To Go Loans are best for short-term or emergency needs.
Is there a credit check for every loan type?
Most loan types require a credit check. However, the Cash To Go Loan is an exception—it does not require one but is limited to $250–$500 and is available to members with 90+ days of membership.
How quickly can I receive funds after approval?
Loan disbursement time varies, but approved members typically receive funds within a few business days, depending on the product and documentation.
What are the qualifications for a Cash to Go loan?
- Available to members with 90+ days of membership at Andrews Federal Credit Union
- Limit of four loans per membership each year and three loans in any rolling six-month period
- Requires two months of direct deposits from the same employer to qualify
- Loan amount capped at 75% of your monthly direct deposit/allotment
- Your first payment is automatically due on the next direct deposit date
- Full repayment must be completed within six months
How is the total amount of a share secured loan determined?
A Share Secured Loan uses the funds in your savings account as collateral. You decide the loan amount based on the money you’re willing to keep frozen in your savings. These funds remain inaccessible during the loan term but continue to earn dividends. As you repay your loan, the frozen funds are gradually released. Timely payments help you build a strong credit history, making this loan a smart way to borrow while improving your credit score.
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We do business in accordance with the Equal Credit Opportunity Act. Must be a member of the credit union to open any loan account. Rates, terms and conditions vary based on creditworthiness and qualifications and are subject to change.
*APR=Annual Percentage Rate.
1Overdraft and Line of Credit APRs may be variable and tied to the Prime Rate. The rate margin for the Overdraft Line of Credit is Prime plus 16.25%. The rate margin for the Premier Line of Credit is Prime plus 12.25%. Maximum APR is 18.00% for both the Overdraft and Premier Lines of Credit. Rates, terms and conditions vary based on creditworthiness and qualifications and are subject to change. Additional restrictions may apply. Rates and APRs are subject to change without notice. Minimum line amount for Overdraft Line of Credit is $1000. Minimum line amount for Premier Line of Credit is $5,000. Unless otherwise stated, interest accrues on loans from disbursement date. No prepayment penalties for early payoff.