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
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%.
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’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!
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?
If you find yourself needing extra money in your budget in a given month, we have a solution. Our Skip-a-Payment feature allows you to skip up to 6 payments over the life of the loan.There are certain requirements you have to meet, including six consecutive months of payments. You must also not have skipped a loan payment in the past 6 months, or have skipped a loan payment in the same time period.
Additionally, your account must be in good standing, you can’t be in bankruptcy, and you can’t have been delinquent on a loan or credit card payment, or have added collateral protection in the past year.
Complete your Skip-a-Payment form no later than five days before your upcoming payment due date. Then, you can bring the form by one of our branches, or send it via mail to the following address:
Argent Credit Union
PO Box 72
Chesterfield, VA 23832
How can I use Online and Mobile Banking to manage my loan?
We have Online and Mobile banking options to help you manage your account, check your balance, receive paperless eStatements, and make payments, whenever and wherever you like!You can get our mobile app through either the iOS App or Google Play App.
Is online banking secure?
How do I become a member at Argent?
Membership eligibility is open to individuals living, working, attending school, or who worship or volunteer in the following counties:
- The city of Richmond
Membership is also available to family members or housemates who meet the above criteria. To be eligible, members must also be at least 18 years of age and be a US citizen or resident alien.
Do I need to supply any specific information or documents to Argent when I apply?
When applying, you’ll need to provide Argent with the following documents and information:
- Your driver’s license or DMV-issued ID
- Your Social Security number
- Your physical address (not your mailing address, if it’s different)
What are some additional benefits to joining Argent?
As an Argent member, you’ll be able to take advantage of our low interest rates on loans and higher dividends on accounts.Additional benefits include free notary services, as well as scholarships, discount theater, and theme park tickets.
Why join Argent?
When you join Argent, you’re joining a member-owned nonprofit that’s controlled by a board of directors who are elected by their fellow credit union members.We aren’t beholden to outside stockholders, so all of our profits go right back to our members through our lower fees and interest rates, and in higher account dividends.
How can I get a better understanding of how credit works?
To learn more about how your credit score, report, and history work, as well as how to improve it, check out our Understanding Credit Tutorial.Topics covered in the credit tutorial include:
- What credit is
- How to build your credit
- What credit cards are, and how they work
- Credit reports
- Commonly used credit terms
What products does Argent offer to help me improve my creditworthiness?
Our Share Secured loans are an effective way to boost your credit score. Because your Share Secured account value is the collateral and credit limit on the loan, it’s a loan you can more easily be approved for with little or no credit.Once you’re approved, it’s a way to responsibly build or establish credit through regular payments.
More Loan Products
No annual, balance transfer, or cash advance with low variable rates.
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.
Enjoy competitive rates and up to 120% financing.
Non-member applicants must meet Argent Federal Credit Union membership eligibility requirements and must become a member prior to or concurrent with loan funding.