A+ Personal Loan
With our quick and easy online application, get a low-rate A+ Personal Loan from Austin’s Best Credit Union and use the funds how you choose.
Fund Your Needs
With the A+ Personal Loan, you choose how you want to use the funds – from consolidating high-interest credit card debt to paying for expenses like home renovations and school expenses – or anything else to live your A+ life.
- Fixed rates as low as 8.99% APR*
- 6-84 month terms
- Minimum loan amount $1,500
- Maximum amount based on credit history and other factors
- Freedom on how to use your funds
- Quick online application
- Same-day decision
- Get your funds by tomorrow**
| Terms | APR* | Estimated Payment Terms | |
|---|---|---|---|
| A+ Personal Loan† | 6-36 months | As low as 8.99% | $31.80 per $1,000 per month for 36 months |
This was my first time to apply for and follow through with a personal loan… A+ helped guide my decision to ultimately help me towards my goal of being debt free.
– A+FCU member
Debt Consolidation Calculator
Ready to tackle your debt? Use our free calculator to input your outstanding debt and estimate your new monthly payments with a consolidation loan.
Compare Additional Loan Options
A+ Preferred Line Of Credit
Get the flexibility of a revolving line of credit which allows ongoing advances up to your credit limit and the freedom to use the funds for any purpose.
As Low As APR*
10.24%‡
Home Equity Loan
Receive the proceeds of your loan upfront without impacting your first mortgage. A Home Equity Loan offers predictable payments with a low, fixed rate and a fixed repayment period.
As Low As APR*
6.240%§
Home Equity Line Of Credit
Similar to a revolving line of credit, a HELOC allows you to borrow funds as needed during an initial draw period, generally 5-10 years, and only pay back when you draw funds from the line of credit.
As Low As Rate
6.990%††
Membership required. Programs, rates, terms, and conditions are subject to change without notice. Normal lending criteria apply. All loans subject to credit approval. Rates are subject to credit score and normal credit underwriting factors. Rates as of 3.24.2025.
*APR=Annual Percentage Rate.
**Funding timing is not guaranteed and subject to change. Most members receive funds same day. Funding timeline is dependent on a number of factors including member responsiveness, time of application, and availability.
†8.99% APR is for up to 36 months and includes 0.25% rate reduction for automatic payment from A+FCU account or electronic funds transfer from another financial institution. Cannot use PlusPoints to lower rate. Actual rate may vary depending on each individual’s credit history and underwriting factors. Rate may increase if automatic payment is cancelled. $31.80 per $1,000 per month for 36 months. Minimum loan amount of $1,500. Terms from 6-84 months. Maximum 18.00% APR.
‡The Annual Percentage Rate (APR) is variable and is based upon an index plus a margin. The APR will vary with Prime Rate (the index) as published in the Wall Street Journal. As of 3.24.2025, the variable A+ Preferred Line of Credit APR ranges from 10.24% to 17.75% APR and the margin varies based on creditworthiness. Excellent credit is required to qualify for the lowest rates. Cannot use PlusPoints to lower rate.
A+ Personal Loan & A+ Preferred Line of Credit: Cannot have both an open A+ Line of Credit and an open A+ Preferred Line of Credit. A+ Preferred Line of Credit is an open-ended line of credit. Minimum loan amount of $1,500 for A+ Personal Loan and A+ Preferred Line of Credit.
§6.240% APR is for 15 years. Cannot use PlusPoints to lower rate. Rates are subject to credit score, loan-to-value matrix adjustments, and normal credit underwriting factors. Actual rate may vary depending on each individual’s credit history and underwriting factors. $8.57 per $1,000 per month for 15 years. Programs, rates, terms, and conditions are subject to change without notice. Normal lending criteria apply. All loans subject to credit approval. Property must be located in Texas and primary owner-occupied single family residence.
††LTV = Loan to Value. Maximum loan amount of $250,000. HELOCs are a variable rate product. Programs, rates, terms, and conditions are subject to change without notice. Normal lending criteria apply. All loans subject to credit approval. Rates are subject to credit score, loan-to-value matrix adjustments, and normal credit underwriting factors. Rate listed is for a 5-year draw period and 15-year repayment period. Additional terms available.
Home Equity & Home Equity Line of Credit: Property must be located in Texas and primary owner-occupied single-family residence. $495 processing fee for loans less than $40,000. $795 processing fee for loans $40,000 and above. NMLS #405608.
Apply For A Personal Loan
Enjoy more freedom with your money. Use an A+ Personal Loan for your personal expenses at a great low rate.