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Home » Personal Banking » Loans » Personal Loans
Personal Loans is rated 4.9 out of 5 by 221.
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Tackle most any expense with a Signature Loan from Apple.

Home Furnishings. Dream Vacations. Debt Consolidation. You have a variety of reasons, we have a variety of loans!

Features:
  • Competitive rates
  • Borrow up to $35,000
  • Terms up to 60 months
  • Easy application process
  • Quick loan turnaround time
  • Lump-sum funding
  • Fixed rate payments
  • No early payoff penalties.
Ask a Question about our Signature Loan

If you're looking for easy access to a flexible source of money to consolidate debt, tackle car repairs, pay for a wedding or most any other purpose, then choose an Apple Signature Line of Credit.

Features:
  • Competitive rates
  • Borrow up to $50,000
  • Easy application process
  • Quick loan turnaround time
  • Low, variable rate payments
  • Convenient access to your money—online, by phone, by check or in person at any branch
  • Use this for overdraft protection for your Apple Checking
  • Easy, online payments in Online Banking
  • Apply in a branch, over the phone or online.
Ask a Question about our Signature Line of Credit

If you're looking to build or repair your credit history, consider a Savings Secured Loan. With this option, you can borrow against money held on deposit in your Apple Savings or Certificate account. Plus, your savings will continue to earn dividends.

  • Low rates
  • Easy application process
  • Quick loan turnaround time
  • Amounts up to 100% of funds held in your Apple Savings or Certificates account
Loan Type
Approximate Terms
APR as low as* Conditions
Signature Loan 11.74 % Up to $35,000
Signature Line of Credit - Variable 7.49 % Up to $50,000; APR is Prime Rate** + 3.99 - 14.49%
Savings Secured (Regular Savings) 3.00 % Savings are pledged for loan; amount of the loan cannot exceed the balance in the account securing the loan
Savings Secured (Certificates) 2.00 % Certificates are pledged for loan; amount of the loan cannot exceed the balance in the account securing the loan and must be equal to or less than the Certificate term
Student Choice Loan Solution 8.50 % Line of Credit up to $75,000

* APR = Annual Percentage Rate. Rates are based on an evaluation of applicant credit. Your actual APR will be disclosed at the time of disbursement. Not all applicants will qualify for the lowest rate.

**Index as published in the Wall Street Journal on the first business day of the month preceding Jan. 1, April 1, July 1, and Oct. 1.

Rated 5 out of 5 by from Personal Loan I attempted to get a loan through Apple a year ago and was denied. I tried this year and your Representative Wally was simply awesome!!! He worked with me. He was personable while the first rep name I don't remember because she was more robotic than human. I commend Wally he made a very nerve racking situation easy. He was patient, compassionate, professional and thorough. Thanks to him I am still a member of Apple FCU. I figured if I couldn't get a loan where I have my checking account it didn't make much sense to be a member there. Sally and his professonalism made the difference.
Date published: 2015-08-23
Rated 5 out of 5 by from Number One Credit Union in the United States My experience was fantastic when applying for a loan with Apple Federal Credit Union. I was able to do everything over the phone which was so convenient since the closest branch to me is in Stafford, Virginia. I want to commend the staff person I was working with but do not remember her name. She was simply amazing!!! Since I am not used to the advance use of banking technology, she was very patient with me so that I could understand the process. I am very pleased with my experience and have recommended friends and family to become a member of Apple Federal Credit Union.
Date published: 2016-01-04
Rated 5 out of 5 by from Thank You and understanding my financial dilemma I can't thank you enough for trusting me and enduring I needed a little financial help at a time like this!! It's a God sent gift and I'll do my very very best to follow through with great enthusiasm and loyalty to repay my loan/debt in full and by keeping my checking account on good standings. We are living in a time where all are experiencing hardship of some kind. And also we are living in a time where we don't who or what to expect where our helpers will be or come from!! But know I'm very grateful cause you didn't have to do this for me!!!
Date published: 2016-02-13
Rated 5 out of 5 by from Apple FCU: A Company that cares I do not have the best credit in the world and for the last year or so I been focus on rebuilding my credit score. I went to several different banks and credit unions but only to be denied. Apple FCU gave me a chance and took a risk with me when no one else would. I am forever grateful for your company and service. You made me feel like a family member and that's rarely found these days. Thank you from the bottom of my heart. Thank you.
Date published: 2015-08-13
Rated 5 out of 5 by from Smooth and Easy Loan Process - Signature Loan Apple has been so easy to work with over the years. They took me in after my divorce and subsequent financial difficulties. I have taken advantage of all they have to offer and am so thankful for their smooth and easy loan process. I have paid off a car loan, have a current car loan, and a credit card and I just got a signature loan so we can finance having a baby by IVF! Apple has been there for me every step of the way!
Date published: 2015-07-09
Rated 5 out of 5 by from Loan for a much needed used car Walk-in inquiry led to a quick and easy signature loan application. My older car had just died on me a month after paying $1,500 to repair an unrelated issue and as luck would have it, my friend was selling her 2009 Toyota Corolla. Seeing as my car has always been a series of costly repairs, I immediately went to Apple FCU to apply for a loan, hoping to be able to buy the Corolla. The loan was in my account immediately after approval and I was able to buy the car that day. I now have a reliable vehicle to get to and from work and can drive without worrying about the car stalling at a stop. Thanks, Apple!
Date published: 2016-12-27
Rated 5 out of 5 by from World's Best Personal Signature Loan I recently applied for a signature loan online for a home improvement project. I had expected the process to take at least several days. I ended up being pleasantly shocked to have received my loan in less than two hours and done entirely online. The extremely efficient and quick loan process made such an impression on me, that I couldn't wait to relay my experience with Apple to many of my friends. They, too, had never heard of such excellent customer service. I have been a member of Apple for 20 years and plan to remain a member for the next 20 years. Sincerely, D. Johnson
Date published: 2016-09-07
Rated 5 out of 5 by from Family Emergency Loan I wanted to thank Apple for the professional and prompt service they gave me when I needed a loan. I was in another state and needed to apply for the loan over the phone and the representative was patient, professional and able to complete the transaction in a very timely manner as well as treat me with respect since the reason for the loan was due to a family emergence and I was upset. The loan was approved and I was able to use the money to help with costs of the emergency. I truly appreciate how well Apple handled every aspect of my loan, from the application process to when I accessed the money. I have always had nothing but professional, knowledgeable help when I do business with Apple. I would recommend to anyone I know.
Date published: 2016-03-24
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how can I qualify for a personal loan? 

Asked by: gaby
Thanks for your question and for considering an Apple FCU Signature Loan! Our minimum FICO score is generally 580 for this loan type, but that's not the only factor. We look for good/excellent credit, credit on the mend or credit being built. We look at repayment history, capacity and desire to repay, and length and types of credit history. In short, we look at the entire picture and we look at each borrower individually. If you're ready to apply, visit https://loanapp.applefcu.org/. Should you have additional questions, it's best to speak with a loan officer directly since they may be more specific to you. Feel free to just give us a call at 703-788-4800 or stop by any Apple FCU branch.
Answered by: AppleFCU
Date published: 2017-02-16

If I would apply for a signature loan and be approved how soon would I get my funds ?

Asked by: Heather1018
Provided that all the necessary paperwork and signatures are received, your funds would be available almost right away. It may also depend on the time of day it's all finalized, but relatively quickly. If you're ready to apply, visit: https://loanapp.applefcu.org/.
Answered by: AppleFCU
Date published: 2017-02-16

Is there a penalty for paying off a signature loan, in its entirety, early?

Asked by: Allie918622
There are no prepayment penalties associated with an Apple FCU Signature Loan.
Answered by: AppleFCU
Date published: 2017-02-16

Hello my questions is what is the credit score requirement for the personal line of credit loans

Asked by: Elijah
Thanks for your question and for considering an Apple FCU SignatureLOC! Our minimum FICO score is generally 580 for this loan type, but that's not the only factor. We look for good/excellent credit, credit on the mend or credit being built. We look at repayment history, capacity and desire to repay, and length and types of credit history. In short, we look at the entire picture and we look at each borrower individually. If you're ready to apply, visit https://loanapp.applefcu.org/. Should you have additional questions, it's best to speak with a loan officer directly since they may be more specific to you. Feel free to just give us a call at 703-788-4800 or stop by any Apple FCU branch.
Answered by: AppleFCU
Date published: 2017-02-08

Is there a certain credit score that you must have in order to be approved for a line of credit?

Asked by: Jays
Thanks for your question and for considering an Apple FCU Signature Line of Credit! Our minimum FICO score is generally 580 for this loan type, but that's not the only factor. We look at repayment history, capacity and desire to repay, and length and types of credit history. In short, we look at the entire picture and we look at each borrower individually. If you're ready to apply, visit https://loanapp.applefcu.org/. Should you have additional questions, it's best to speak with a loan officer directly as they may be more specific to you. Feel free to just give us a call at 703-788-4800 or stop by any Apple FCU branch.
Answered by: AppleFCU
Date published: 2017-01-30

Can you get aprroved with no credit history?

Asked by: Misrain45
Approval is subject to a review of all of the information in your credit application, so yes, it's possible. We'd encourage you to apply at https://loanapp.applefcu.org/ to see how we can be of service to you.
Answered by: AppleFCU
Date published: 2017-01-09

 what need for loan personal

Asked by: pan65
Thanks for considering an Apple FCU Signature Loan! Our minimum FICO score is generally 580 for this loan type, but that's not the only factor. We look for good/excellent credit, credit on the mend or credit being built. We look at repayment history, capacity and desire to repay, and length and types of credit history. In short, we look at the entire picture and we look at each borrower individually. If you're ready to apply, visit https://loanapp.applefcu.org/. Should you have additional questions, it's best to speak with a loan officer directly since they may be more specific to you. Feel free to just give us a call at 703-788-4800 or stop by any Apple FCU branch.
Answered by: AppleFCU
Date published: 2017-01-06

Which is better a signature loan or a line of credit? I understand that there isn't a early pay-off penalty for the signature loan, correct? Where are the rates for the above loans?

Asked by: Belind
Which is better depends on your needs. At its most basic, a line of credit (LOC) is an open-end, revolving loan. Let's say for example, you'd get approved for $20,000. You could draw and pay-down on that limit repeatedly. This could be used if you've got a number of home improvements to complete, are preparing for a wedding where you'll need to pay multiple vendors, etc. A loan on the other hand would disburse that $20,000 to you in one lump sum, with a set repayment term. These are great if you're doing debt consolidation, or for a one-time purchase, like a deck. If you needed more funds, you'd have to reapply. Rates for an LOC are variable and your payments fluctuate based on your balance. With the Loan however, the rate is fixed at the time of closing, so you have equal payments for the duration of the payback period. For current rates, visit https://www.applefcu.org/AppleWeb/Rates#tab5. And yes, you're correct... neither an Apple FCU Signature Loan or LOC has early pay-off penalties. Should you have additional questions, it's likely best to speak with a loan officer since they may be more specific to you. Feel free to give us a call at 703-788-4800 or stop by any Apple FCU branch. When you're ready, we welcome your application at https://loanapp.applefcu.org/.
Answered by: AppleFCU
Date published: 2017-02-06
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