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Smart Solution Loan

Quick Access
To Cash Now

A Smarter Way To Bridge The Gap

Get quick access to the cash you need today at more reasonable rates than traditional payday lenders.

The Details

When times are stressful, the last thing you need is a lender who is motivated by profit, not your well-being. Don't worry, we have your back when it matters most!

  • Lower interest rates and longer repayment terms than traditional payday loans
  • Personal service and quick approvals
  • 17.99% APR 1
  • 60-day repayment term
  • Must be an AACU member for at least six months to apply
  • No credit check required
  • Must meet other minimum requirements
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Apply For A Smart Solution Loan
  • By Phone

    Great member service is only a phone call away!

    719.593.8600800.223.1983
  • In Person

    If a face-to-face conversation is more your speed, stop by any branch location. We can't wait to see you!

    Branch Locations

Smart Solution Loan - AACU Smart Solution Loan FAQs

Smart Solution Loan carries a lower interest rate and a longer repayment term than a typical payday loan, plus no credit check requirement. AACU designed it as a member-focused alternative rather than a profit-driven short-term lender. Compare Personal Loans if you need a larger amount instead.
AACU caps the Smart Solution Loan at $300 for your first three advances, with monthly payments around $153.38 due at 30 and 60 days. No additional advance is issued until the previous one is paid in full. Check your eligibility before applying for this loan.
AACU requires at least six months of membership before you can apply for a Smart Solution Loan, alongside other minimum requirements. This waiting period helps establish your account history first. Check your eligibility and start building toward that six-month mark.
A Smart Solution Loan carries a 60-day repayment term at 17.99% APR, with payments due at 30 and 60 days from the loan date. This gives you more breathing room than a typical two-week payday loan cycle. Compare Personal Loans for longer repayment options.

AACU verifies membership tenure and account standing before approving a Smart Solution Loan, protecting both the credit union and members from predatory lending risk. Applications process by phone or in person at any branch. Compare Personal Loans for AACU other borrowing options.

Disclosures

1 APR=Annual Percentage Rate. Must be a member for at least six months. Must meet other requirements. No additional advances made until previous advance paid in full. $300.00 maximum loan amount for first three advances. Monthly payments are computed at approximately $153.38 each, due at 30 and 60 days from the time of loan, based on loan amount of $300.00. Other restrictions & fees apply.

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