Routing Number: 307070021

Smart Solution

Not sure you can make it until payday? A Smart Solution Loan is exactly what it sounds like - an intelligent solution to payday loans.


No one wants to be in a situation where they need a loan to get them through until payday, but when that happens, you can count on AAFCU to provide you with an easy, flexible, and a smart solution to meet your needs.

Our Smart Solution Loan features a lower interest rate and has longer repayment terms than similar loans at a traditional payday lender. It's quick and convenient, plus there is no credit check!

  • Lower interest rates

  • Longer repayment terms

  • Quick approvals

  • No credit check

  • Local knowledge and decisions

  • Personal service

Visit a branch location to apply for a Smart Solution Loan.

  • 17.99% APR*

  • 60 day repayment term

  • Must have been AAFCU member for at least six months to apply

  • No credit check required, must meet other minimum requirements

  • Visit any of our locations to apply

To apply for a Smart Solution Loan, please visit a local branch or contact us at: 719.593.8600 or 800.223.1983

*APR=Annual Percentage Rate. Must be a member for at least six months. Must meet other requirements. No additional advances made until previous advance paid in full. $300.00 maximum loan amount for first three advances. Monthly payments are computed at approximately $153.38 each, due at 30 and 60 days from the time of loan, based on loan amount of $300.00. Other restrictions & fees apply.

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