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.
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.