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Other Loans

The Better Choice program... the smart alternative to payday loans.

The Better Choice program is designed for members to use as a solution to the growing problem of payday lending practices.

Better Choice is a short-term loan that offers:

  • 180-Day Repayment Term
  • Flexible Monthly, Bi-weekly, or Weekly Payments
  • $20 Application Fee (non-refundable) (Fee waived for active Military personnel/spouse)
  • $100 Minimum Loan, $500 Maximum Loan
  • 17.90% APR* (17.75% Rate)
  • Financial Counseling and Budgeting Assistance

To qualify the member must meet the following requirements:

  • Good standing with ARC for at least 90 days
  • No more than 2 Non-Sufficient Funds (NSFs) during the present quarter
  • $1,000/month gross income

For more information call 814-946-0857.

*Annual Percentage Rate (APR)


ARC offers additional loans including the following:

  • Motorcycle Loans
  • Recreational Vehicle Loans
  • Share Secured Loans
  • CD Secured Loans
  • Business Loans

View Rates

To apply or acquire additional information, please call or text 814-946-0857 to speak with an ARC loan officer.