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    Hi! Is there something I can help you find?

    • What would you like to borrow for?
      • A home
        • Great, what are you more interested in?
          • I’d like to buy a home, or refinance my current loan.
            • Sounds great. We offer Mortgage Loans at great prices, as well as refinancing options.
          • I want to make some environmentally friendly home improvements.
            • Let’s get started making our community greener. We offer no-collateral Home Improvement loans just for that. We think you’ll love our rates.
          • I’m more interested in using the value in my home to get a loan.
            • Sounds good. Would you prefer a lump sum of cash for your loan, or more flexible spending?
              • Lump sum
                • Sounds like you are looking for a Home Equity Loan. It’s a great way to secure a lower rate, and you can use the money on any expense.
              • Flexible spending
      • A car
      • Something fun
        • What are you interested in?
          • Boat
            • Awesome! Let us help you get on the water. We offer low rates and long terms to make your Boat Loan payments affordable.
          • Personal Watercraft
          • Motorcycle or ATV
            • You’re one step closer to hitting the open road or trail. We have the right financing on Motorcycle and ATV Loans to make it happen.
          • Motorhome, Campervan or Travel Trailer
      • Something else
        • Okay. Business or personal?
          • Business
            • Sounds great! We offer a wide range of Business Loans, including loans for vehicles, equipment and real estate.
          • Personal
            • Terrific! We offer Personal Loans for any need, including weddings, vacations and debt consolidation.
      • I’m mostly interested in a credit card
    • What would you like help with?
      • Accessing my accounts
        • Okay, how would you like to access your accounts?
          • Online
            • Ok! If this is your first time using Online Banking?
              • Yes
                • Okay! To enroll, call us during normal business hours at 314.962.6363 (or 618.239.6363 for Illinois members; 1.800.719.6363 if you are outside of the St. Louis area) and press option 6, then 2.
              • No
                • Great. To access your account, simply click “Login” in the upper right hand corner of the page.
          • On my mobile device
      • Opening a checking account
        • Great! What do you care most about in a checking account?
          • Earning interest
            • Okay! Both our Advantage Plus Checking and Value Checking accounts earn interest. Advantage Plus earns higher interest than Value Checking. With Value Checking, there’s no monthly fee if you maintain an average daily balance of $500 or more.
          • Having no fees
          • Getting free checks
      • Signing up for eStatements
        • Cool! If you are already signed up for and using our online banking service, all you need to do is click on the eStatements tab within online banking and accept the disclosure that appears.
      • Getting insurance
      • Reporting a lost or stolen card
        • We’re sorry to hear that. Is this during or after business hours?
          • During
            • Please call us at 314.962.6363 or 618.239.6363, and press option 6, then 1.
          • After
            • If it’s your debit card, please call 1.888.918.774. If it’s your credit card, please call 1.866.820.3035.
      • Taking control of your debit/credit card
      • Sending money to family and friends
    • What would you like to save for?
      • An upcoming holiday or vacation
        • Sounds lovely! We have both Christmas Club and Vacation Club accounts available to our members. Check out our Savings page and scroll down for more info.
      • Retirement
      • College
        • Meet with our financial advisor to learn about the different options available for funding a college education, including the Coverdell Educational Savings Account and the 529 College Savings Plan.
      • Something else – and I’d like to earn a good interest rate
        • Do you have some money saved up already?
          • Yes, quite a bit
            • Nice! Are you okay with leaving your money untouched for a while?
              • Sure
                • Cool! We think you might like one of our CDs. You agree to leave your money untouched for a while in exchange for a higher interest rate.
              • I’d prefer to make withdrawals when I need to.
                • Sounds good. Check out our Money Market account. It’s a little more flexible, but still gets you a higher rate.
          • Not much
            • No worries. Once you open a Savings account, you can open secondary accounts for whatever you need, including college, rainy day funds and more.
      • I’d prefer just a basic savings account
        • Ok! Our Savings account sounds just right for you. It also secures your Arsenal membership.
      • I want to make saving automatic
        • We can help. Enroll in our Spend to Save program to have your debit card transactions rounded up to the nearest dollar, with the change deposited to your savings account. You can also set up a payroll deduction to have a part of your paycheck deposited directly into savings each pay period.

    Personal Loans

    “This institution helped me rebuild my credit. They were there when no other institution would help. I will always be a loyal member of this fine establishment.”

    White male wearing glasses giving a grin James T.

    • Fast

      Quick application turn-around

    • Free

      No application fee

    • Apply Now!

    A loan for any occasion

    Personal Loans in St. Louis

    You can use a personal loan for anything you need. It’s a flexible loan that goes straight into your Arsenal account as a lump sum. Use it to finance a romantic wedding, visit an exotic destination or stock your home with brand new furniture and up-to-date appliances.

    Personal loans are also a good way to consolidate debt. If you have a lot of high-interest credit cards making your life difficult, consider getting a personal loan to lower your interest rates and bring all your debt onto simple, single monthly payments.

    Why get a personal loan from Arsenal?

    Whether we’re helping you fund your dream wedding, welcome a new baby into your home or pay for medical expenses, we’ll beat out the competition with better rates and terms.

    1. 1

      Competitive rates and terms

      Rates for our personal loans are much lower than payday loans and safer for your overall finances than title loans. Our rates are fixed and start at 9.99% APR*, with terms of up to 60 months available.

    2. 2

      No unwelcome surprises

      A personal loan won't hit you with surprise interest rates. If you buy items with a "no-interest" store credit card and miss a payment (or don't pay off your full balance during the term), your rates can skyrocket.

    3. 3

      Take a break

      Our unique Skip-a-Pay program gives your budget room to breathe. Skip your payment once every 12 months up to five times over the life of the loan without negatively affecting your credit. Ask us for more information.

    Get your personal loan

    Call, come into a branch or fill out your online application right here, right now.

    Apply Now!

    Calculator

    Loan Calculator

    Format: 12m, 36m, 3y, 7y

    FAQs

    This article helps explain the ins and outs of payday loans.
    These videos help explain some of the pitfalls around car title loans.
    This article describes how to establish and protect your credit.
    The only place to get a truly free credit report is AnnualCreditReport.com. You can receive one from each credit-reporting bureau – TransUnion, Equifax and Experian – every year. It's best to stagger your three reports throughout the year. For example, get your TransUnion report in January, Equifax in May and Experian in September.

    Still have questions?

    Ask a question right now.

    Ask a Question
    No credit? No problem. We offer no-credit car loans and personal loans We all need a vehicle to get around. It's just a fact of life. The tough thing is that c... Read

    Get your personal loan

    Apply Now!

    APR = Annual Percentage Rate. Rate based on member creditworthiness. Lowest rate cited is as of July 1, 2021, and is subject to change. Contact the credit union for complete details.