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Auto
When you need to buy a new or used vehicle, motorcycle, or recreational vehicle, keep ASFCU in mind.
Don't let yourself fall victim to slick car sales tactics. You have outstanding options at your credit union. Contact us and get pre-approved before you ever set foot into a dealership. You will be armed with what you can afford and the financing to do just that. ASFCU has an established relationship with various Auto Buying Brokers who can help you find your next dream car at a great price. Already found that car? Your credit union can offer you a low interest rate, quick approval time and easy financing terms. If buying a new car isn't in your budget, consider auto refinancing or the purchase of a used car. Either way, ASFCU can help get you into the car of your choice.
Personal/Personal LOC
Aurora Schools Federal Credit Union has a complete line of loan products for whatever you might need. Need cash in a hurry or want a new computer? No matter what your needs, we can help. Our loan processing is quick and easy making it simple for you. Because we are your credit union and owned by our members, we can offer lower interest rates to you. Consider us first before going anywhere else! Contact a loan representative for more information. Due to regulatory changes made by the Credit CARD Act of 2009, unsecured loans or lines of credit are only available to members age 21 and over. Members under age 21 will be required to have a qualified parent co-signer on the account.
Overdraft
An Overdraft line of credit is designed to protect your checking account from embarrassing overdrafts, while giving you increased buying power. The line is activated whenever your checking account balance is not sufficient to cover a check that is presented for payment. There is no monthly charge for the line, but interest is charged on the outstanding balance. Due to regulatory changes made by the Credit CARD Act of 2009, unsecured loans or lines of credit are only available to members age 21 and over. Members under age 21 will be required to have a qualified parent co-signer on the account.
Quick Fix Loan - The Smart Alternative to Payday Loans.
If you have a payday or cash advance loan, you’re probably paying extremely high interest rates and fees. And if you have to roll over your loan and pay even higher fees for that privilege, you may be caught in a never-ending cycle that’s digging you deeper into debt.
That’s why Aurora Schools Federal Credit Union has developed the Quick Fix Loan. This smart alternative to payday lending helps you save more of your hard-earned money—and even start saving for your future.
An affordable, short-term loan
Unlike payday or cash advance loans, our Quick Fix Loan offers a longer, 90-day repayment term with lower fees and interest rates. Our Quick Fix Loan has a $20 application fee. And, you’ll pay only 18% APR*—that’s considerably less than the 450% effective interest rates you may be paying on a payday loan. Plus, you’ll have the flexibility of making monthly, bi-weekly, or weekly loan payments.
An easy way to save for the future
Best of all, our Quick Fix Loan features a built-in savings benefit. Upon approving your loan, an additional amount, equal to 10% of your loan, will be deposited into your savings account. You may not withdraw any portion of that deposit, or close your account, until the loan is paid off. Once you’ve paid off your loan, your deposit and the interest you’ve earned is yours. Savings you can count on!
Get back on track with FREE financial counseling
If you need assistance in getting out of debt or you just need advice on how to better manage your money, ASFCU can help by providing free financial counseling and expertise. We also offer free self-study courses online through FoolProof.
Stop paying high fees and interest rates to payday lenders and get a Quick Fix Loan. Applying is easy, and no credit check or collateral is required. For more details and an application, talk to your credit union representative today.
90-Day Repayment Term
Flexible Monthly, Bi-weekly, or Weekly Payments
$20 Application Fee
$200 Minimum Loan
$570 Maximum Loan ($500 + $50 in Savings + $20 application fee)
18% Annual Percentage Rate (APR)
A Built-In Savings Benefit
Optional Financial Counseling
Why pay high fees and interest rates when there’s a better alternative? Get a Quick Fix Loan today! For more details and an application, contact ASFCU. We’re here for you!
*APR=Annual Percentage Rate. Must qualify. Borrowers must have an ASFCU checking account, meet credit union membership requirements and be over age 21. Members with overdraft loans are not eligible for the quick fix loan. If you have Courtesy Pay on your account, that feature will be suspended during the term of this loan. One Quick Fix Loan per eligible member/account. No more than 3 Quick Fix Loans in any rolling 6 month period.
