Why Choose a Personal Loan with Us?
Life happens—and we’re here to help you be ready for it. Whether you’re planning something exciting or handling the unexpected, a personal loan from American Heritage gives you peace of mind and the flexibility to move forward with confidence.
Our members use personal loans to:
- Fund dream vacations
- Cover wedding expenses
- Pay for unexpected costs, like:
- Car repairs
- Emergency home maintenance
- Health and medical bills
Plus, with competitive rates, fast decision, and easy online applications, getting the help you need is simple and stress-free.
Ready to take the next step?
Apply online in minutes, or stop by any of our branch locations to speak with a Lending Specialist. We're here to help make your financial goals a reality.
| Terms | Monthly Payment | APR* As Low As |
|---|---|---|
| Up to 24 Months | $46.15 | 9.99% |
| 25 to 60 Months | $21.25 | 9.99% |
| 61 to 72 Months | $20.61 | 13.99% |
| 73 to 120 Months | $15.53 | 13.99% |
What Product is Right for You?
Personal Loan
A personal loan is a fixed lump sum of money that we lend to you for a specific need—whether that’s consolidating debt, planning a big event, or covering an unexpected cost. Approved applicants will receive the full amount upfront and repay it over time with predictable monthly payments and no surprises.
Key Benefits:
- Fixed rate and monthly payments
- Great for one-time expenses
- A simple borrowing experience
Personal Line of Credit
A personal line of credit gives you flexible access to funds, whenever you need them. It's a revolving credit line that allows you to borrow and repay multiple times—up to your approved limit—during what’s called the draw period.
Key Benefits:
- Reusable funds during the draw period
- No need to reapply after each use
- Interest-only payments on the amount you borrow.
Share Loan
A share loan is a low interest loan, that uses your savings account or Certificate as collateral for the loan.
Key Benefits:
- Low interest rate
- Great for one-time expenses
- Earn dividends on savings accounts or Certificates
FAQ
What documents will I need to apply?
How quickly can I get my funds?
Can I receive a rate discount if I set up autopay?
How long is the draw period for a personal line of credit?
Looking for another way to borrow?
Becoming a Member is Simple
*Annual Percentage Rate (APR) for members who choose to make loan payments via payroll deduction or automatic payment from an American Heritage Federal Credit Union account. APR is increased by .25% without payroll deduction or automatic payment. Rates for this product are determined by an evaluation of applicant credit. Your rate may vary from the rate shown. Sample Monthly Payment: $15.53 for every $1000 borrowed at 13.99% APR at 120 months. Monthly payment (per $1,000) examples are based on longest term in each range. Your payment may vary.
Loans are subject to credit approval.