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No Payments for
Up to 90 Days.
Your Life. Your Loans.

Whether it’s seasonal costs or life’s big plans, AmeriChoice offers the borrowing power you need—with competitive rates and up to 90 days before your first payment.

Consumer Lending with Americhoice

Loan Options at a Glance

  • Auto & Recreational Vehicle Loans: Refinance or purchase with lower rates and no payments for up to 90 days.

  • Home Equity Loans: Borrow against your home’s value for renovations, debt consolidation, or life’s big milestones—no payment for up to 90 day.

  • Personal Loans: Unsecured loans with flexible terms, ideal for holiday expenses, debt consolidation, or emergency needs.

Auto & RV Loans

Auto & RV Loans*

Home Equity Loans

Home Equity Loans**

Personal Loans

Personal Loans***

Your plans, your terms
 
 

Life keeps moving, and your plans shouldn’t wait.

Whether you’re buying a car, consolidating debt, tackling a remodel, or covering unexpected costs, AmeriChoice is here with flexible lending solutions designed around you.

With this special Q4 offer, you’ll:

  • Get the funds you need without the stress of immediate payments.
  • Choose from Auto Loans, Personal Loans, or Home Equity options.
Enjoy competitive rates and local service from a credit union you trust.

Why
AmeriChoice?

  • Extra savings in your pocket with up to 90 days payment-free

  • Flexible options designed around your life

  • Local personalized service

  • Trusted partner for life’s big financial moments

Don’t wait to take care of what matters most—
apply today and enjoy no payments for up to 90 days.

Auto & RV

*APR = Annual Percentage Rate. Rates are subject to change without notice. APR ranges from 5.49%–16.24%, based on creditworthiness and vehicle age. Example: $1,000 loan at 5.49% APR for 36 months = $30.20/month. Auto and RV loans are fixed-rate. Offer valid on new and used vehicles and RVs. Terms: up to 84 months for vehicles 2019 and newer, up to 72 months for vehicles 2016–2018, up to 60 months for vehicles 2015 and older, and up to 120 months for RVs. Financing may cover up to 100% of the JD Power value or selling price, whichever is lower, including taxes and tags. First monthly loan payment may be deferred up to 90 days from the contract date; finance charges will accrue during deferral. Current AmeriChoice loans are not eligible for refinance with this offer. All loans are subject to lending guidelines and approval. Must qualify for membership and become a member of the credit union. Offer may not be combined with any other promotion or discount. Offer expires 12/31/2025. Federally insured by NCUA. Equal Opportunity Lender.
 
**Home Equity Installment Loan
First payment may be deferred up to 90 days; interest accrues during deferral. Fixed-rate terms up to 15 years. Minimum loan amount $5,000. Financing up to 100% of market value, less existing liens. Secured by real estate; property insurance required (flood insurance may be required). $5,000 or more in new money required to refinance existing AmeriChoice equity loans. Subject to credit approval. Offer expires 12/31/2025. Federally insured by NCUA. Equal Opportunity Lender.
 
***Personal Loans
Membership eligibility and credit approval required. Annual Percentage Rate (APR) is based on creditworthiness and may vary. Interest accrues during any payment deferral period of up to 90 days. Terms, conditions, and loan amounts may vary. Offer subject to change without notice. Offer expires 12/31/2025. Federally insured by NCUA. Equal Opportunity Lender.

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People Helping People.
As a not-for-profit, member-owned financial institution, AmeriChoice is passionate about providing superior service and value – for you!