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Secured Loans

Borrow from yourself without using your own money

A Secured Loan lets you get cash when you need it, without dipping into your savings. It’s a smart way to meet today’s needs while continuing to save for the future.
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Save + Spend at the same time

You need money for an immediate expense or purchase. There’s enough in your Addition Financial Savings or Money Market account to cover it, but you hate the idea of using the money you worked so hard to save. We’ve got a solution for you: instead of draining your savings, borrow against it! With a Secured Loan, you pledge your savings as collateral. It continues to grow and earn dividends while you use and repay the loan you need.

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Build credit while you borrow

Because you’ll be backing the loan with your own funds, it’s often easier to get approved for a Secured Loan than an unsecured loan. You may even qualify for better rates when you borrow this way. And while you work on paying your Secured Loan back, you’ll be building your credit plus protecting your savings.

  • Minimum loan amount: $500
  • Maximum loan amount is 100% of available funds, not to exceed $300,000
  • Repayment terms of up to 120 months
  • Rate is current 60-month certificate rate + 3%
  • Online and mobile access
  • Friendly member service
  • Discounts on tickets, goods and services
  • Financial assistance and education
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Book an appointment and skip the line!

When you book at appointment online, you won't have to wait in the lobby to talk to one of our representatives. Plan ahead for a date and time that works for you, at a location that's close by. One of our agents will be ready to speak with you at the time you booked.
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Payment Protection

Establish peace of mind for yourself when you choose to cover your Addition Financial loan with Payment Protection. By adding payment protection to your new loan, you’ll have one less thing to worry about during a period of reduced income due to disability, illness or death.
Learn more about Payment Protection

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Pursue your dreams and goals

Whether you’re looking to pay down bills, travel or simply enjoy some extra cash, an Addition Financial personal loan can help you make those dreams a reality. 
  1. 1
    Review eligibility

    Anyone who lives, works, worships, attends school or vocational training, or is an alum of any college, university, or educational institution located in 26 select counties may join. View our "Join Today" page for full eligibility.

  2. 2
    Complete loan application

    When you’re ready, complete the online application or visit your branch to apply in person.

  3. 3
    Get your loan

    Enjoy your new cash.

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