Personal Loans

Personal Loans

Get the cash you need to make more things happen

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Apply for a Personal Loan

I am applying as a:

Applying online is fast and easy.

Should you have any questions or need assistance, please reach out to us:

Phone: 410-584-7474

Email: [email protected]

Representatives available
Mon-Fri: 9AM-5PM

Life Happens. Let Us Help You Finance It.

Life is full of twists and turns. No matter how much you plan, there are always expenses you didn’t see coming. Luckily, AFFCU is here to lighten your load. Our affordable personal loans are available to our valued members in the greater Baltimore community in Maryland.

No Application Fees

Applying is fast and easy. There’s no cost to apply and find out how we can support your affordable financing needs.

No Collateral Required

There is nothing to put up or sign over. With a basic credit review, debt and income analysis, your signature is all that is needed.

Low Rates, Flexible Terms

As easy as it is to get, we still keep it affordable with flexible terms and great rates as low as APR*.

Check Out Our Everyday Low Rates And Terms

Personal Loans


APR as low as

Monthly Payment per $1,000

*APR = Annual Percentage Rate. Actual rate may vary and based on credit review and application. Rates based on loan term. Terms available from 12- to 60-months. The maximum allowable APR is 18.00%. Advertised as low as rate includes rate discount of 1.00% for having a checking account with a direct deposit established totaling at least $1,500 per month to an AFFCU account and have automatic loan payment transfers setup from an AFFCU account. All Personal loans have a maximum loan amount of up to $30,000 based on credit score. Eligible loan amount based on credit review. A representative payment example for a personal loan in the amount of $10,000 with a term of 60-months at a non-variable interest rate of 7.24% APR would equal $199.15 per month. This equates to $11,948.78 over the life of the loan.


Up to 60 months

APR as low as


Monthly Payment per $1,000


Apply Online

Why Choose Atlantic Financial FCU?

When you get a personal loan from Atlantic Financial FCU, you can be confident that you are working with a trusted partner that has your best interests in mind. We’ll work to get the financing you need with a fair, affordable rate, and no application or hidden fees.

You’ll also enjoy our simple process. It starts with a fast and easy online application. You then work with a local lending representative that will support you through the fast application review and approval. Funds are then deposited into your account for easy access as needed.

Get Started

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Calculate Your Loan Payment

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Simple Application Process for Personal Loans

Step 1

Apply Online

Enter your personal and financial details into our secure application portal to get started.

Step 2

Get Approved

We’ll check you’re eligible then offer you a loan amount and rate for your chosen term.

Step 3

Receive Funds!

We’ll transfer money into your AFFCU Checking or Savings account for easy access.

I received a loan from AFFCU when my finances were in trouble.  I was denied a loan by other institutions. Not only did AFFCU approve my loan, but gave me the best interest rate. I was able to pay the loan in full, not missing a payment. Many thanks to AFFCU for the outstanding customer service. Member for life.

— Frank K., Hunt Valley, Maryland

Ways to Use Your Personal Loan Funds

A man looks at his credit cards and applies for a personal loan to consolidate his debt.


Pay off your high-interest credit cards and reduce stress with one simple monthly payment.

A woman calls a repair person to fix her broken washing machine and pays with a personal loan.


Whether it’s medical bills, car repairs, or a broken appliance, you’ll have it covered.

A family enjoys a beach vacation financed through a personal loan.


Everyone deserves a break and sometimes you need extra funds to reach your destination.

A family paints a wall after getting a personal loan.


Paint a wall, add a door or reshape a room to work from home.

Guests enjoy a wedding funded by a personal loan.


Costs quickly add up with travel, catering, clothes, and decor.

FAQs About Maryland Personal Loans

Unsecured personal loans do not use any of your assets as collateral for the funds borrowed. Your lender simply assesses your creditworthiness and decides that you’re likely to repay the funds.

Secured personal loans use your cash funds as collateral for the funds borrowed because your credit score isn’t good enough or you don’t have an established credit history.

  • The collateral could be a cash deposit or the funds in your Savings or Certificate Account.
  • If you don’t make your payments, your lender can keep your cash funds in lieu of you repaying your loan.
  • Secured loans are a great way to build or repair credit, though missed payments will negatively affect your credit score.
  • Other types of secured loan options include an auto loan (secured by your car) and a mortgage (secured by your home).

Secured loans tend to have lower rates than unsecured loans but the rate may depend on your credit report and financial situation, including your debt-to-income ratio (DTI).

Yes, unlike an auto loan or home loan, a personal loan gives you funds to use for anything you need and want. Common uses for a personal loan include:

  • Tuition and education expenses
  • Home improvements
  • Car repairs
  • New appliances
  • Dental and medical bills
  • Vacations and weddings
  • Unexpected expenses and emergency funds

You can also use your personal loan as a debt consolidation loan to pay off your high-interest credit card debt and other loans, so you have one simple monthly payment.

A personal loan is a type of installment loan offering these benefits:

  • You get a lump sum payment and choose your ideal repayment term.
  • You then make equal monthly payments until the loan is paid off in full.
  • Personal loans tend to have fixed rates and shorter loan terms get lower rates.
  • A fixed interest rate and fixed loan payment amount mean budgeting is simple.

In contrast, a credit card is a type of revolving credit:

  • You can use the funds and pay down your balance in an endless cycle.
  • Your monthly payments will vary and rates are typically higher than for personal loans.

AFFCU does not charge a prepayment penalty if you want to pay your loan off early. You can be debt-free as soon as possible.

Plus, there is no loan origination fee.

Your personal loan funds will be deposited into your AFFCU Checking or Savings bank account the next business day after your approval. You can then withdraw your money using in-branch services or an ATM. You can also use your debit card or write a check for purchases, or transfer funds using Online and Mobile Banking tools.

To withdraw your Personal Loan funds:

  • Our Hunt Valley Branch is located at: 40 Shilling Road, Hunt Valley, MD 21031.
  • An additional AFFCU ATM is located within MedStar Good Samaritan Hospital at 5601 Loch Raven Blvd, Baltimore, MD, 21239.
  • AFFCU members can use any CO-OP ATM nationwide, with no surcharge.

In addition, AFFCU has reciprocal agreements with other credit unions in the Baltimore Metro area of Maryland, so you will be not charged a fee to use any of these ATMS:

  • Baltimore County Employees Federal Credit Union
  • First Financial Federal Credit Union
  • Five Star (formerly St. Agnes) Federal Credit Union
  • Freedom Federal Credit Union
  • Johns Hopkins Federal Credit Union
  • Securityplus Federal Credit Union

Contact Us And Get Started

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Contact Us
Apply Online
Get Started
Call us

(410) 584-7474

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