Personal Loans

Whether you’re planning a dream vacation or purchasing back-to-school items, we’re here to help with personal loans designed to meet your needs.

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We Make It Easy

Easy Application Process

No collateral needed and no prepayment penalties


Fixed monthly payments make budgeting easy


Quick application process

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. View Options »


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?

More Loan Products

Credit Cards

No annual, balance transfer, or cash advance with low variable rates.

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Home Loans

Mortgages and home loan refinancing with Argent. Get prequalified and find your new place or switch to a more affordable payment on your current one.

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Auto Loans

Enjoy competitive rates and up to 120% financing.

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