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Community Alliance Go to main content

Online Banking

Personal Loans

Community Alliance CU Personal Loans

Personal Loans

  • Flexible terms
  • Competitive loan rates.
  • Call us anytime 24/7 at 734.464.8079, option 5


Apply Now


Save with automatic payments!  At closing, we can show you how to make payments through regular monthly deductions from your paycheck or checking account.

  • Ask for a .25% APR discount with direct deposit & automatic transfer payment from your CACU Checking Account.

How much can you afford?  Calculate your payment 

Complete the entire loan application process without having to leave your home with DocuSign!  DocuSign offers eSignature, a way to sign electronically from different devices.


Personal Loan APR Range

Term Loan Amount Rate (APR) # of Payments Monthly Payment Total Payments
1 year $1,000 As low as 7.49% 12 $86.75 $1,041.03
2 years $5,000 As low as 7.49% 24 $224.98 $5,399.41
3 years $10,000 As low as 7.49% 36 $311.02 $11,196.59
4 years $15,000 As low as 7.49% 48 $362.61 $17,405.45
5 years $25,000 As low as 7.49% 60 $500.83 $30,049.80


Back to School Loan

  • $1,000*
  • 12 Month Term
  • 18% APR

Loan Qualifications:

  • Member for at least six (6) months, and in good standing
  • Borrower must have payroll Direct Deposit with Community Alliance Credit Union for past 3 months
  • Direct Deposit amount must cover all loan payments at CACU with automatic transfer, including this loan
  • Not currently in bankruptcy
  • Not past due on any current or previous Community Alliance loans, no overdrawn credit union shares
  • One "No Credit Check" Loan per borrower

Payment Options:

  • 12 monthly payments with debt protection = $94.09

*Subject to a $50 processing fee with automatic payment transfer from a Community Alliance Checking Account. Processing fee cannot come from the loan proceeds. Other restrictions may apply. Payments shown are estimates. Your first payment is due 30 days after loan is closed/disbursed.



Did you know, if you have a loan with us, you may be eligible to skip a payment on that loan?

Even if you don't have a loan with us, you can refinance the loans you have at other financial institutions, or apply for a new one today, and skip a payment in a later month if you are eligible.

Three easy ways to submit your Skip-A-Pay*

1. Submit your request through CACU online banking. In the (Services) tab find (Skip A Pay) in the list of services and click (Continue)

2. Click here to complete a DosuSign power form

3. Call us at 800.287.0046

4. Come see us at our Livonia Branch

*Skip-A-Pay requests must be received by Community Alliance Credit Union at least three business days prior to the payment due date of your loan(s).


Anytime Cash Loan - Overdraft Protection

This is an unsecured line-of-credit loan with limits available from $1,000 up to $15,000.  Once approved, you can access your loan anytime from just about anywhere. Features include:

  • Overdraft protection on your Checking Account
  • You can transfer money from your Anytime Cash Loan to your checking or savings through Internet Banking, Mobile Banking or In-Touch

Terms: N/A

APR: 12.25%


Share Secured Loans

Obtain a low-rate loan by securing the loan with funds in your share account, certificate of deposit, or money market account.  As the loan is paid down, those funds are released back to your account, leaving your savings intact


Express Pay

With your authorization, the Credit Union can pull money from your other financial institution to pay your loan(s) with us electronically.  When you sign up for this service you will no longer need to mail in a payment for your loan(s).

Enrollment is easy.  Complete this authorization form and return it to the Credit Union.  If you need assistance, contact one of our Accounting Representatives.


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