Loans > Loan Assistance

Make your loan payments easier

You have options when it comes to making your loan payment.
Discover one that's convenient for you.

Find more information below on how to easily meet your monthly loan payment at Arsenal. Need help? There's no reason to default. Learn more about our assistance options or contact us for more information.

Three easy ways to make a payment

Make a regular payment on your loan at Arsenal.

Online + Mobile Banking

Make a payment for FREE within online or mobile banking. Just login to pay with funds from your Arsenal account or with an outside account or debit card.

Online + Mobile Banking

Outside Accounts

No online banking account? No problem. This service incurs a $3.00 fee for each use. Login using the arsenal account number associated with your loan and your five-digit ZIP code.

Pay Loan

Over the phone

Give us a call at 314.962.6363, option 6, then 2, to talk to a Member Solutions Center representative. This service incurs a $5.00 fee for each use (no fee if you set up a recurring payment).

Need a quick break from your payments?

Skip select Arsenal loan payments once every 6 months up to five times over the life of your loan. Skipping your payment won’t ding your credit score.

If you have an online + mobile banking account, you can set up a Skip-a-Pay at your convenience by going to Tools > Skip A Pay. Contact us or visit a branch for more information.

Skip-a-Pay program available for auto, boat, motorcycle, RV and personal loans only.

Contact us Find your closest branch

Apply for hardship assistance

If you’re unable to make your loan payment, we can help you put a plan together. Fill out this form to reach out to one of our certified financial counselors for help on your loan.

By completing this form, I certify that all the information I have provided is true and accurate, and I acknowledge that Arsenal Credit Union, as owner and guarantor of my loan, may investigate the accuracy of my statements and may request additional documentation.

By completing this form I understand that by deferring my loan it will extend the term of my loan, and therefore my loan will not be paid off at the original maturity date provided at origination.

What are the benefits of making timely loan payments?


Improve your credit score

When you make regular payments on your loan, credit bureaus factor it into your credit score, often raising it. This can give you more favorable rates when you borrow in the future.

Gain borrowing power

If you default on a loan and it ends up in collections, borrowers are less likely to lend to you. Making your payments on time and paying off your loan helps you make larger purchases when you need to.

Avoid late fees

Making regular payments (either manually our automated with Bill Pay) helps you avoid pesky late fees that can add up and disrupt your budget.

What are members saying?

“Member since the 90s! The option to skip a payment on my auto loan came in super handy during a couple of lean years.”

Georgia H.
Arsenal Member

“They made me feel like they were doing what was best for me and not just meeting a goal.”

E.M.
Arsenal Member