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Smart Solution Loan


Is Payday Too Far Away?

A Smart Solution Loan is exactly what it sounds like - an intelligent alternative to a payday loan.

We've all been there. Life happens and suddenly money is tight. A Smart Solution Loan can help you get quick access to the money you need at a lower interest rate and with longer repayment terms than a traditional payday lender. 



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



Apply For A Smart Solution Loan

By Phone

Great member service is only a phone call away!

719.593.8600 | 800.223.1983

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



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.