We Make It Easy
It only takes a few minutes to apply
Loans from 12 months – 60 months
Apply online, over the phone, or in-person
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 get back to you as quickly as possible.
Receive Your Money
Once you agree to your loan rate and terms, your loan will be deposited into your credit union 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.
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)
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.