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Personal Loans

Whether you need cash for vacation or a DIY project, we can help.

  • Overview
    • Competitive rates
    • Flexible terms
    • In-house processing for quick approval

    Personal Loans

    Take out a personal loan to cover a number of needs, from medical expenses, to consolidating debt, to taking a dream vacation!


    Monthly Payment

    Loan Amount
    Term Months

    Loans personalized for your needs

    Our easy, no-hassle personal loans offer quick approval decisions and often provide funds the same day you apply. Astera Credit Union personal loans are unsecured signature loans that don’t require collateral.

    Loan Protection

    Astera has partnered with SWBC to bring you three amazing products to help you should times get hard. Learn how to protect your money from bumps in the road.

    "Astera has given me two personal loans in the last two years. This in turn has allowed me to do the things I needed to do while building my credit back up to where it should be. Thank you."

    Kathy R.
  • Rates


    Share Secured Loan

    to 60 Months on share or certificate maturity3.0 points over dividend rate

    *APR=Annual Percentage Rate. Rates and term are subject to change without notice.

    Unsecured Loan

    12-36 MonthsAs low as 9.49% APR*
    37-48 Months As low as 10.49% APR*
    49-60 MonthsAs low as 11.49% APR*
    61-72 Months As low as 12.49% APR*

    *APR=Annual Percentage Rate. Rates and term are subject to change without notice.

  • FAQs

    Frequently Asked Questions

    Sometimes you still can qualify with bad credit. Loans are based on your credit history not necessarily your credit score. Call us today, to discuss your options at 517-323-3644.

    To check the status of a loan application you must call 517-323-3644.

    Astera's Audio Banking gives the member banking over an automated phone service. There is only one simple application to complete. Choose your four-digit personal identification number (PIN), and you're ready to go. Use any touch-tone phone and perform a variety of transactions including loan calculations. Once you have your PIN, you can access Audio Banking by calling toll free at 1-888-222-8868. To view our Audio Banking Guide, click here.

    You are also able to utilize Online Banking or Mobile Banking in order to process the payment. A payment can be made by transferring funds to the appropriate loan. These payment methods are free of charge!

    To contact us please submit a question using the button below. A Member Service Representative will get back to you as soon as possible. Or, you can contact us at 517-323-3644.

Get a loan for whatever you need

If you're looking for a loan designed to fit your needs, we've got you covered.

Apply Now

*APR = Annual Percentage Rate. This is a limited offer. Rate is subject to change without notice. Please contact Astera Credit Union for latest rate. Eligible members must set up automatic loan payments from an Astera Credit Union checking account, and be enrolled in direct deposit and e-statement services. Additional restrictions may apply.