NEW & USED VEHICLE LOANS
We finance 
up to 100% of vehicle purchase including taxes, title/registration fees, warranty, GAP insurance, and additional add-ons:
- Cars, trucks, motorcycles, boats/water-craft, RVs/campers, & ATVs
- Borrow up to $120,000
- Competitive rates – let us know if a dealer offers you a lower rate
- Same day approval when possible
- Flexible terms
- Budget-friendly payments
- No fees or prepayment penalties
- Hassle-free loan payment options
- Skip-a-pay options
- Life insurance available for loan
- Disability insurance available for loan
- GAP (Guaranteed Asset Protection) Insurance is available at a low cost and helps pay the difference between the value and amount left on your loan in the event it is deemed a total loss or stolen
- Warranty/MRC (Mechanical Repair Coverage) quotes available and can be customized by mileage, term, and deductible amount
Car buying help
PERSONAL LOAN
Finance an unexpected medical bill, home appliance, vacation, and more:
- Borrow up to $30,000
- Competitive rates
- Same day approval when possible
- Flexible terms
- Budget-friendly payments
- No fees or prepayment penalties
- Hassle-free loan payment options
- Skip-a-pay options
- Life insurance available for loan
- Disability insurance available for loan
BILL CONSOLIDATION LOAN
Pay off high-interest credit cards, medical, school, payday/personal loans:
- Borrow up to $30,000
- Competitive rates
- Same day approval when possible
- Flexible terms
- Budget-friendly payments
- No fees or prepayment penalties
- Hassle-free loan payment options
- Skip-a-pay options
- Life insurance available for loan
- Disability insurance available for loan
EA$Y MONEY LOAN
A fast & inexpensive way to borrow $500 with no credit check:
- 6-month repayment term
- $92.20 monthly payment
- Must be AAEC member for a minimum of 6 months and in good standing
- No prepayment penalties
- Loan repayment must be via direct deposit, payroll deduction, or ACH
- Bring your driver’s license/State ID, and 2 recent paystubs into AAEC, complete a loan application, and leave with $500
SHARE SECURED LOAN
Share secured loans help build credit or make a purchase without dipping into your savings:
- Fully secured by shares in your AAEC account
- Shares can be pledged by you, family, or friends
- As the loan is paid, shares become available
- Shares earn dividends during the loan term
- Same as car loan rates
- Flexible terms
- Budget-friendly payments
- No fees or prepayment penalties
- Hassle-free loan payment options
- Skip-a-pay options
AAEC VISA CREDIT CARD
AAEC VISA offers an 11.9% APR* for all purchases & cash advances, plus:
- No annual or monthly fee
- 24×7 fraud protection
- Online access to your account at ezcardinfo.com
- AAEC VISA application – submit completed application, copy of your ID, 2 recent paystubs, and W2
- View VISA credit card agreement & disclosures
- Balance transfer with no fees – balance transfer form
MORTGAGE LOANS
Purchase or refinance your home with AAEC. We offer a wide range of programs designed to fit your needs.
HOME EQUITY LINE OF CREDIT - VARIABLE RATE
Take advantage of the equity in your home:
- Competitive variable rate that adjusts semi-annually (March/September)
- No annual fee
- AAEC pays all closing costs
- Must be your primary residence
- Minimum line is $10,000/Maximum line is $150,000
- Borrow up to 80% of the current appraised value of your home
- Revolving line of credit can be drawn upon for 20 years
- 10-year payback period renews with each advance
- Minimum initial advance is $10,000 & subsequent advances must be at least $500
- Additional advances are easy and you can access funds the same day
- Often offers tax-deductible benefits, consult your tax advisor for details
Ready to apply? Review the checklist below, gather your documents, print/complete the HELOC application, and call us at 847-392-1922 for the next step.
HOME EQUITY LOAN - FIXED RATE OPTIONS
Take advantage of the equity in your home:
- Offering 5, 10, and 15 year terms
- Minimum line is $10,000/Maximum line is $150,000
- Borrow up to 80% of the current appraised value of your home
- Often offers tax-deductible benefits, consult your tax advisor for details
ONLINE BANKING ACCESS
