Personal Loans
Low-Interest Personal Loans for Life’s Big (and Small) Moments
Cover an unexpected expense, consolidate high-interest debt, upgrade your home, or plan a special occasion.
As a not-for-profit credit union serving Maryland communities, we pass savings on to you through competitive rates and flexible terms — because your financial well-being matters.
Holiday Loan
A Little Extra Room for Holiday Cheer
Get the cash you need to make this season merry and bright — and a little easier on your wallet.
Personal Loan Rates
Compare options and choose the lending that fits your needs.
Personal
Loans
Rates as low as6.59% APR*
Easy Cash Line of Credit
Rates as low as10.99% - 17.99% APR*
Home Improvement Loans
Rates as low as6.09% APR*
What Are the Benefits of an APGFCU Personal Loan?
A personal loan from APGFCU offers a simple, affordable way to borrow without the uncertainty of revolving credit card balances.
Affordable Rates
Borrow smarter with rates that help you save compared to credit cards.
Fixed Payments
Predictable monthly payments make planning easier.
Flexible Terms
Choose a repayment plan that fits your budget and lifestyle.
Easy Online Payments
Manage your loan and make payments through Online and Mobile Banking.
Funds for Multiple Purposes
Debt consolidation, home improvement, tuition, special occasions—you name it.
Local Support
Work with a credit union that keeps loan servicing in-house and puts members first.
Personal Loan Options
Why settle for one-size-fits-all borrowing? APGFCU offers personal loans and lines of credit designed for different needs — from predictable lump-sum financing to flexible access to funds.
Personal Loans
Great rates and flexible terms help turn major costs into manageable payments.
Common Uses Include:
- Debt consolidation
- Home improvement
- Special occasions
- Tuition
- Private party or independent dealer vehicle purchase
Current Rate
APR1 As Low As
6.59%*
Fixed rate with auto pay.
*See all loan rates, terms and disclosures.
Enjoy fixed-rate, fixed-payment amounts over the loan term with no extra fees.2,3
And right now, qualified borrowers may defer their first payment for up to 60 days.4
Easy Cash Line of Credit
Flexible access to funds for ongoing expenses or short-term needs — borrow what you need, when you need it.
Highlights Include:
- Short-term financing for purchases
- Overdraft protection
- Funds deposited into your checking or savings account
- Easy access via Online/Mobile Banking or by check
Current Rate
APR1 As Low As
10.99% - 17.99%*
Fixed rate with auto pay.
*See all loan rates, terms and disclosures.
Get credit card-style revolving financing with lower rates and more flexible repayment terms.
Home Improvement Loans
Finance smaller home projects with competitive rates and predictable payments.
Ideal for:
- Project materials, tools, and supplies
- Professional services
- Small updates and improvements
Current Rate
APR1 As Low As
6.09%*
Fixed rate with auto pay.
*See all loan rates, terms and disclosures.
Make meaningful updates to your home with great rates and trusted local credit union support.
How to Apply for a Personal Loan in Maryland
Check Eligibility
Review APGFCU membership requirements.
Submit an Application
Start your application process online or come into one of our branches.
Receive Your Funds
Once approved, you’ll receive your loan disbursement based on the selected product and terms.
Get the Help You Need With Our Personal Loan Resources
Skip-A-Pay
Need a little breathing room? Skip one eligible loan payment every 12 months (fees and restrictions apply), while interest continues to accrue during the skipped month.
Debt Consolidation Calculators
Wondering what consolidation could look like? Use our calculator to estimate payments and payoff timelines so you can compare options with confidence.
Make a Payment
Pay your loan online anytime — no mail, no phone calls, and no branch visit required. Members and guests can make payments quickly through our online Loan Payment Portal.
Personal Loan FAQs
- What can I use a personal loan for?
A personal loan can be used for many everyday needs—like debt consolidation, home improvement, tuition, special occasions, and unexpected expenses. Explore APGFCU’s loan options to find the best fit.
- How much can I borrow with an APGFCU personal loan?
Loan amounts vary based on credit history, income, and other factors. Let’s find the option that works best for you.
- How long can I take to repay the loan?
Repayment terms vary by product and the amount financed. Review current terms and disclosures for details.
- Are personal loan payments fixed?
Rates for APGFCU lump-sum personal loans are fixed for the full term. Rates for line-of-credit products are variable.
- Do I need collateral for a personal loan?
Many personal loans may be unsecured for well-qualified borrowers. Some programs, such as Credit Builder options, may require collateral or secured funds.
- Can I apply if I’m not a member yet?
You’ll need to become an APGFCU member first. You may be eligible to join if you live, work, worship, attend school, or volunteer in Harford County, Cecil County, Baltimore County, or Baltimore City. Immediate family or household members of eligible individuals may also qualify.
- Where can I find your rates and terms for personal loans?
To view current APRs, disclosures, and details for personal loans, lines of credit, and home improvement loans in one place, click here.
- Do you have any resources to help with financial management?
At APGFCU, we have articles and resources created to support your goals at every stage. For practical guidance, in managing your finances, click here.
More Ways to Borrow
Credit Cards
Choose from rewards, cash back, student and low-rate interest credit card options.
My Money Loans
Fast, economical access to funds backed by your savings — also helpful for building credit.
Need Help With a Personal Loan? Get in Touch!
Personal Loans Disclosures
Membership eligibility applies.
1APR = Annual Percentage Rate. The rates stated are available on approved credit. Rates may be different as determined by the individual creditworthiness of each applicant. Not all applicants will qualify for the lowest rate.
2Rates are based on creditworthiness and loan term, and your rate may differ. Rates range from as low as 6.59% APR up to 17.74% maximum APR with automated payments. Loan is for a fixed amount and a fixed term. Advertised rate includes automated payments and rates will be 0.25% higher without automated payments. Subject to credit approval. Terms from 12-84 months are available. Payment Example: The payment on a $20,000 loan would be $340.24 per month by using the $17.01 per $1,000 at a non-variable interest rate of 10.79% APR with an 84-month term. This equates to $28,580.53 over the life of the loan.
3Excludes late fees and any delinquent account fees.
4Qualified borrowers may defer their first payment for up to 60 days. Interest accrues from the loan disbursal date. The deferred payment option is available for refinances of existing APGFCU personal loans when additional cash proceeds are approved and advanced.