Save + Spend at the same time
You need money for an immediate expense or purchase. There’s enough in your Addition Financial Savings or Money Market account to cover it, but you hate the idea of using the money you worked so hard to save. We’ve got a solution for you: instead of draining your savings, borrow against it! With a Secured Loan, you pledge your savings as collateral. It continues to grow and earn dividends while you use and repay the loan you need.
Build credit while you borrow
Because you’ll be backing the loan with your own funds, it’s often easier to get approved for a Secured Loan than an unsecured loan. You may even qualify for better rates when you borrow this way. And while you work on paying your Secured Loan back, you’ll be building your credit plus protecting your savings.
Minimum loan amount: $500
Maximum loan amount is 100% of available funds, not to exceed $300,000
Repayment terms of up to 120 months
Rate is determined by term length
Online and mobile access
Friendly member service
Discounts on tickets, goods and services
Financial assistance and education
Why Addition Financial?
Easy to Find
Convenient locations + shared branches nationwide.
Earn More + Pay Less
Competitive rates on deposits, loans and credit cards.
Keep It Local
Your money stays right here in the community.
Pursue your dreams and goals
Whether you’re looking to pay down bills, travel or simply enjoy some extra cash, an Addition Financial personal loan can help you make those dreams a reality.
Anyone who lives, works, worships, volunteers or attends school in 22 select counties may join. View our "Become a Member" page for full eligibility.
2Complete loan application
When you’re ready, complete the online application or visit your branch to apply in person.
3Get your loan
Enjoy your new cash.
Get your learn on
Think of us as your personal financial guru, partner and coach for wherever life’s journey takes you. To help you live your best life, we offer money management tools, financial literacy seminars and expert advice that’s easy to understand. Start making every moment (and every penny) count.