If you need a low-cost loan and want a fast decision, try the Anytime Loan Center, the easiest and most convenient way to apply for a Vehicle Loan, Visa® Credit Card, Home Equity Loan, Signature Loan, or Line of Credit. Anytime Loan Center is available whenever you are: 24 hours a day, seven days a week, 365 days a year.
Two easy ways to apply:
- To apply by phone, call (602) 264-6421 or toll free 1-866-264-6421
- To apply online, complete our Online Loan Application.
If you choose to apply by phone, a friendly loan representative will take all of your application information and process your loan request immediately. In many cases you'll receive an instant decision. Representatives are also available to answer your general loan questions and to provide Kelly Blue Book values on used vehicles.
If you prefer to apply for your loan from the privacy and convenience of your home or office, just complete the brief Online Loan Application. Once you submit your application, you'll have a response in approximately 90 seconds. In many cases we can provide an instant decision.
- Have your member number readily available. If you are not a member of Arizona Central Credit Union, review the instructions on how to join. Once you become a member, you may apply for a loan.
- Only primary members can apply for a loan. Joint owners may apply as a co-borrower with the primary member. If you are the joint owner and would like to apply for a loan individually, you will need to open an account as a primary member. Stop by any one of our branch locations to join or complete our Membership Application (requires Adobe Acrobat Reader®) to open your account and apply for a loan. Completed applications can be submitted by mail or at any of our branch locations.
- Applications for Visa Secured Credit Cards cannot be submitted online. Instead, stop by any one of our branch locations or call (602) 264-6421 (toll free 1-866-264-6421).
- Anytime Loan Center is not available to accept applications for business loans. Only applications for personal loans are accepted. To apply for a business loan, stop by any one of our branch locations.
- Have the following information available prior to starting the application process: the Social Security number for yourself and any co-borrowers; your email address; the type of loan you wish to apply for; the total dollar amount you would like to borrow or be pre-approved for; the length of time (term) you wish to take the loan out for; and all personal information regarding residency, employment, and income.
- Complete the entire application in order to avoid delays in your application process.
- If your loan is approved or referred back to a loan officer for further review, a loan representative from Arizona Central will contact you within 24 business hours.
- If your loan is denied, you will receive a letter by mail explaining the reasons why and the name of the credit agency used regarding your application. If you prefer to have an explanation by phone, please call (602) 264-6421 (toll free 1-866-264-6421), 24 business hours after your application was processed.
- Printable versions of our loan applications are available for download on our Forms & Disclosures page.
