logoLoan Information

ACU Loan Requirements

Applying for an Appliance Credit Union loan is simple. Applicants must meet one of the following requirements to qualify for a loan.
  • Applicant must live in Bradley County
  • Applicant must work or worship in Bradley County
  • Applicant must attend school in Bradley County
  • Applicant is a family member of any current member *
* Family members include Parent, Spouse, Spouse's Parent, Child, Step-child, Grandparent, Spouse's Grandparent, Grandchild, Brother, Sister, Brother/Sister-in-law, Step-brother/sister, Aunt/Uncle

How to Apply

To apply just email us your most recent pay stub and click the button to apply online.
Loan Application

Appliance C.U. VISA Credit Cards!

Apply today for an Appliance Credit Union VISA Credit Card. Qualifying applicants can take advantage of no balance transfer fees and a special introductory rate of 2.9% APR for 6 months. For more information contact Gayle Cross at 423.479.5511, ext. 104. You must be a member of Appliance Credit Union to apply.).
  • 6 month introductory offer 2.99% APR
  • No Annual Fee!
  • No over the limit fee!
* Rate will vary depending on credit score when Promotional Introductory period expires

New and Used Vehicles

New car photo Used car photo

All new vehicle loans are 100% of retail value and used vehicle loans are based on NADA retail value.

New Vehicle - 2021-2020 (never been titled)

  • Up to 36 months 1.99 - 7.99%
  • Up to 48 months 2.35 - 8.35%
  • Up to 60 months 2.49 - 8.49%
  • Up to 72 months 2.99 - 8.99% Over $20,000
  • Up to 84 months 3.50 - 9.50% Over $30,000
* All interest rates are APR

Used Vehicle - 2021 to 2017 (Up to 100k miles)

  • Up to 36 months 2.15 - 8.15%
  • Up to 48 months 2.25 - 8.25%
  • Up to 60 months 2.25 - 8.25%
  • Up to 72 months 3.25 - 9.25% Over $20,000
  • Up to 84 months 3.50 - 9.50% Over $30,000
* All interest rates are APR

Used Vehicle - 2016 and older (Less than 100k miles)

  • Up to 36 months 2.50 - 8.50%
  • Up to 48 months 2.25 - 8.25%
  • Up to 60 months 2.25 - 8.25%
  • Up to 72 months 3.49 - 9.49% Over $20,000
  • Up to 84 months 4.00 - 10.00% Over $30,000
* All interest rates are APR

Used Vehicle - 2016 and older (100k+ miles)

  • Up to 36 months 4.50 - 10.50%
  • Up to 48 months 4.99 - 10.99%
  • Up to 60 months 5.24 - 11.24%
  • Up to 72 months 5.74 - 11.74% Over $20,000
  • Up to 84 months 6.15 - 12.15% Over $20,000
* All interest rates are APR

Share Secured

2.00% Above Dividend
  • $0 - $24,999.99
  • $25,000 - $49,999.99
  • $50,000 - $74,999.99
  • $75,000 - $99,999.99
  • Over $100,000
  • 0.05%
  • 0.10%
  • 0.15%
  • 0.20%
  • 0.25%

Unsecured Loans

Credit Score - 800 to 900

  • $10,000 to $15,000 - 12% up to 60 months
  • $8,000 to $10,000 - 7.99% up to 60 months
  • $5,000 to $8,000 - 5.99% up to 60 months
  • $500 to $4,999 - 4.99% up to 48 months
* All interest rates are APR

Credit Score - 750 to 799

  • $8,000 to $10,000 - 10% up to 60 months
  • $5,000 to $8,000 - 7.99% up to 60 months
  • $500 to $4,999 - 5.99% up to 60 months
* All interest rates are APR

Credit Score - 701 to 749

  • $5,000 to $8,000 - 12% up to 60 months
  • $3,500 to $4,999 - 10% up to 48 months
  • $500 to $3,499 - 7.99% up to 36 months
* All interest rates are APR

Credit Score Below 701

  • Up to $3,500 - 14% for up to 36 months
* All interest rates are APR

Recreational Loans

New car photo Used car photo

*All loans subject to credit approval & normal loan policies

New Motorcycles, ATVs, JetSkis, Boats

  • $0 - $15k
  • $15k - $30k
  • $30k - $50k
  • $50k+
  • 60 months
  • 84 months
  • 120 months
  • 180 months
  • 3.75% - 9.75%
  • 4.24% - 10.24%
  • 5.99% - 11.99%
  • 6.00% - 12.00%

Used Motorcycles, ATVs, JetSkis, Boats

100% of retail
  • $0 - $15k
  • $15k - $20k
  • $20k+
  • $30k+
  • $50k+
  • 60 months
  • 84 months
  • 84 months
  • 120 months
  • 180 months
  • 3.99% - 9.99%
  • 4.15% - 10.15%
  • 5.15% - 11.15%
  • 5.15% - 11.15%
  • 5.15% - 11.15%

New & Used 5th Wheels, Travel Trailers and Camping Trailers

             
  • $0 - $15k
  • $15k - $30k
  • $30k - $50k
  • $50k+
  • Up to 60 months
  • 84 months
  • 120 months
  • 180 months
  • 4.25 - 10.25%
  • 4.15 - 10.15%
  • 4.25 - 10.25%
  • 5.25 - 11.25%

New Motorhomes, Houseboats/Cabin Cruisers

             
  • $0 - $15k
  • $15k - $30k
  • $30k - $50k
  • $50k+
  • 60 months
  • 84 months
  • 120 months
  • 180 months
  • 3.90 - 9.90%
  • 3.90 - 9.90%
  • 3.90 - 9.90%
  • 3.90 - 9.90%

Used Motorhomes, Houseboats/Cabin Cruisers

             
  • $0 - $15k
  • $15k - $30k
  • $30k - $50k
  • $50k+
  • 60 months
  • 84 months
  • 120 months
  • 180 months
  • 4.15 - 10.15%
  • 4.25 - 10.25%
  • 4.25 - 10.25%
  • 5.25 - 11.25%

Lawn and Garden

Title or UCC1 Up to 72 months 4.50% - 10.50%

NEW/USED Tractors and Farm Equipment

             
  • $0 - $4k
  • $4 - $6k
  • $6 - $15k
  • $15k+
  • 24 months
  • 36 months
  • 48 months
  • 72 months
  • 11.50 - 17.50%
  • 11.50 - 17.50%
  • 11.50 - 17.50%
  • 5.25% - 11.25%
**Tractor Loans - USED - NADA Retail from Dealer USED from Individual - NADA Retail from Dealer

New Consumer Goods

              100% of Purchase Price Up to 48 months 9.50 - 15.50%

Second Mortgage 80% LTV (Equity)

Up to $50,000
  • Up to 15 years
  • 5.25% - 11.25%

Land Loan 80% of Appraisal Value 80% LTV

Up to $50,000
  • 5 years
  • 10 years
  • 15 years
  • 7.25 - 13.25%
  • 7.75 - 13.75%
  • 8.25 - 14.25%