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:

  • 90-Day Repayment Term
  • Flexible Monthly, Bi-weekly, or Weekly Payments
  • $20 Application Fee (non-refundable)
  • $200 Minimum Loan, $500 Maximum Loan
  • 18% Annual Percentage Rate (APR)
  • Financial Counseling and Budgeting Assistance

To qualify the member must meet the following requirements:

  • Good standing with ARC for at least 30 days
  • No more than 2 overdrafts during the present quarter
  • $1,000/month gross income

For more information call 814-946-0857 or view the brochure

ARC offers additional loans including the following:

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

Click Here for current rates

To apply or acquire additional information, please call 814-946-0857 opt 4 to speak with an ARC lending specialist.