We Make It Easy
Easy Application Process
No collateral needed and no prepayment penalties
Predictable
Fixed monthly payments make budgeting easy
Convenient
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%.
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.
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
More Loan Products
Credit Cards
No annual, balance transfer, or cash advance with low variable rates.
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.
Auto Loans
Enjoy competitive rates and up to 120% financing.
