Personal Loans

We’re here to help with personal loans designed to meet your needs

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We Make It Easy

Competitive Rates

APR* as low as 8.74%

Easy Application Process

No collateral needed and no prepayment penalties


Fixed monthly payments make budgeting easy


Quick application process

Father and daughter repairing wall using putty knives. Learn about taking out a personal loan for home improvement projects.

Personal Loan and Share Secured Loans

Personal Loans

Whether you’re planning a vacation, paying for a wedding, need money for the holidays, or have an unforeseen bill, personal loans from Argent are here to help.

Share Secured Loans

Use your Primary Share account or share certificates as collateral for borrowing up to 100% of your account balances. Loan terms are set at a maximum of 5 years when using your Primary Share account.

Loans using share certificates as collateral have terms based on the maturity date of the certificates. Borrow from and pay yourself back! The loan rate is your savings or certificate rate plus 3%.

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See our competitive rates.


Our Convenient Application Process


Apply Online in Minutes

Fill out our user-friendly online application and tell us about yourself and your finances.


We Review

We’ll review your application and pull your Equifax credit report.


Receive Your Money

Once you agree to your loan rate and terms, your loan will be deposited into your bank account and your repayment term begins.


Great Service and Caring Team!

-Deborah B.

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Personal Loan FAQ

What are my loan payment options with Argent?

Argent provides our members with a variety of options to help them make their loan payments. You can make payments quickly and easily either from your Argent account, or even from an account at another financial institution.

  • Online Banking – Simply log onto your Argent Online Banking account to set up a one-time payment or to schedule a recurring transfer from any of your accounts at Argent.
  • External Transfer – Members have the option to set up automatic transfers from another financial institution. Simply complete the Authorization Agreement for Direct Payments and mail it to Electronic Services, P.O. Box 72, Chesterfield, VA 23832. You can also bring it to any of our branch locations.
  • Bill Payment – You can give your bill payment processor with the information for the credit union and your member loan listed here:
    • Member Loan Number (6 digit account number, a 3, and the last 3 digits of the loan number)
    • Loan Due Date
    • Payment Amount
    • Credit Union Routing & Transit Number:  251082233
    • Credit Union Mailing Address:  P. O. Box 72, Chesterfield, VA 23832
    • Credit Union Phone Number:  (804) 748-9488 or (800) 943-3328
  • Audio Response – You can transfer from any of your accounts with Argent by calling our Audio Response system at (804) 275-6259 or (800) 227-2068.
  • Phone Transfer – Make a one-time transfer of funds or set up a recurring, automatic transfer from any of your Argent accounts by calling our Contact Center at (804) 748-9488 or (800) 943-3328, option 2.
  • Mail Payment – Make your payment by mail, check, or money order using the address listed above. Please be sure to include your member loan number.
  • In-Person – You can make your loan payment in person at any of our Argent branch locations or Credit Union Shared Branch locations.

What if I’m having difficulty making my loan payments?

How can I use Online and Mobile Banking to manage my loan?

Is online banking secure?

How do I become a member at Argent?

Do I need to supply any specific information or documents to Argent when I apply?

What are some additional benefits to joining Argent?

Why join Argent?

How can I get a better understanding of how credit works?

What products does Argent offer to help me improve my creditworthiness?

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Auto Loans

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*APR = Annual Percentage Rate. Rate range from as low as 8.74% APR to a maximum of 17.99%. Terms from 12 to 60 months. All loans are subject to credit approval. Your APR is based on our internal credit criteria. Listed APR assumes excellent credit and a 0.25% discount for an automated payment method approved by us. Please contact us for specific terms, rates, and available discounts. Programs, rates, terms, and conditions are subject to change without notice.

Repayment example: 8.74% APR would equal a payment of $20.63 per $1,000 borrowed for 60 months.

Non-member applicants must meet Argent Federal Credit Union membership eligibility requirements and must become a member prior to or concurrent with loan funding.