Consumer Loans

You need it, we've got it! The right loan for you, at rates that make borrowing a pleasure. Payroll deduction makes payments easy, too. Choose from these loans:

New Car*

We finance up to 100% of MSRP or purchase price, for up to 84 months.

Used Car*

We finance up to 100% of the NADA Clean Retail Value, up to 84 months.

Motocycles*

We finance new and used motorcycles 100% of average retail or purchase price, up to 84 months.

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Boats*

We finance new and used boats up to 100% of MSRP or purchase price, for up to 84 months.

ATVs*

We finance new and used ATVs up to 100% MSRP or purchase price, for up to 60 months.

RVs*

We finance new and used RVs up to 100% of MSRP or purchase price, for up to 120 months.

Farm, Lawn and Garden Equipment*

We finance new and used farm, lawn and garden equipment up to 100% MSRP or purchase price, for up to 84 months.

Signature Loans

An open-end loan up to $25,000 based on your credit history, income and current obligations, not secured by collateral. Monthly payments vary according to amount borrowed.

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Power Surge Loan

Need money fast? Or build up your credit? ARECU can help. ARECU will loan $500 or $1,000 without a credit check report.  Qualifications are:

  • Direct deposit into checking account
  • Automatic transfer from ARECU checking account for loan payment
  • 6 month term
  • Processing fee - $10.00 for $500.00, $20.00 for $1,000.00
  • Only 1 Power Surge at a time
  • No delinquent loans over 30 days
  • 15.00% Annual Percentage Rate (*APR)
  • Restrictions may apply

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VISA Credit Card

Competitive fixed rate with ScoreCard bonus program (this is a cashback bonus system).

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*These loans require insurance protection.