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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.”

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A loan for any occasion

Personal Loans in St. Louis

You can use a personal loan for anything you need, including major purchases. 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.

If using a personal loan to consolidate high-interest debt, we will pay off your balances for you. All you have to do from there is make monthly payments on your new, consistent-rate loan from us.

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 six 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.

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Loan Calculator

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


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.

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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

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APR = Annual Percentage Rate. Rate based on member creditworthiness. Lowest rate cited is as of Jan. 3, 2023, and is subject to change. Contact the credit union for complete details.