Personal Loans and Lines

Cash in on our desire to make your life a little easier.
  • Choose from a variety of low-rate loans
  • Get a lump sum of cash or access to a line of credit
  • Cover unexpected costs or buy something you really want
  • Link a line of credit to your checking account
  • Save money with lower interest payments

Need some extra spending money? We've all been there.

As hard as you might work, sometimes it's hard to set aside enough money to buy the things you want or to cover unexpected expenses. When you need extra cash to make your family happy or to make ends meet, we have a variety of personal loans that will get the job done.

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Make life more affordable with a Personal Loan

Apply & Save Now

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Personal Signature Loans

A lower rate than most credit cards

  • Borrow for your next vacation, tuition payment, remodeling project, or any other need
  • Rates as low as 7.24% APR1
  • Borrow up to $50,000
  • Flexible terms up to 84 months help reduce your monthly payments
  • Easy online application process

Apply Now

Premier Line of Credit

A chunk of money to pay for anything life throws your way

  • Credit lines available up to $50,000
  • Rates are variable, but stay low to keep your monthly payments under control
  • Convenient access to money online, by check, or in person at any branch

Apply Now

Share Secured Loan2

A loan that matches your Share Savings account balance

  • Borrow from $500 to $100,000
  • Repayment terms of up to 144 months
  • Minimum monthly payment is just $30
  • Build a healthy credit score
  • Borrow up to 100% of the amount in your Share Savings account

Apply Now

Cash To Go Loan


  • Borrow from $250 to $500
  • Flexible payment options of monthly, bi-weekly, or the 1st and 15th of the month
  • You must be an Andrews Federal member for at least 90 days
  • No credit check

Additional Details

  • You must be an Andrews Federal member for at least 90 days
  • Maximum of four Cash To Go loans per membership account in a calendar year
  • Must have a direct deposit/allotment for 2 months from the same employer
  • Loan amount cannot exceed 75% of member’s monthly direct deposit/allotment
  • First payment is due on the next direct deposit/allotment date
  • First full payment must be received within 30 days
  • Maximum repayment term is six months

Log into Online Banking to Apply

Overdraft Line of Credit

Linked to your checking account just in case you over spend

  • Peace of mind for times when funds run short
  • Automatic overdraft coverage for your checking account
  • Credit lines of up to $10,000
  • Interest rates are variable, but stay low to make repayment easier
  • Money will be transferred to your account to cover checks, debit card purchases, and electronic payments

Apply Now

Still Have Questions?

You can set up a recurring payment by logging into Online Banking and selecting "Bill Pay". From Bill Pay, select the first payment start date and frequency when setting up your "Payee". You may also visit any branch location or call us at 800-487-5500.

There are a variety of ways to qualify for membership at Andrews Federal.  To see the full list of eligibility requirements, click on "Membership" at the top or bottom of the home page.

You can apply for a loan online by selecting the "Apply for a Loan" option which is listed at a "Common Task" under the "BORROW" section of this website.

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