Loan officers in Des Moines.Ask for any of us by name.
Let’s talk through your loan.
Talk to a real person before you apply, or apply now if you’re ready. Either way, you’ll know what you’re signing.
4.8 stars across 2,900+ Google reviews
- NAFCU 2023 Credit Union of the Year
- Certified CDFI
Three ways to start
Call 515-288-7225Weekdays 8:30 to 5:30, Wed from 10, Fri to 6Book a visitPick a time on our booking page
You don’t have to be a member to start the conversation.
What happens when you reach out
- You tell us what’s going on.You don’t need to fill out a form to ask a question.
- We hear the whole story.Your score is one piece of it. We run the numbers with you.
- You decide.You’ll see the rate first. No pressure either way.
“They treated me like a real person with a real life.”
Meet the lending team.
Our loan officers, by branch. Pick a name to see how to reach them.
¿Prefiere hablar en español? Llame al 515-288-7225 y pregunte por Joselyn, o llame a Tania al 515-777-7812.
Chris Jefferson
Financial Services OfficerHoffman Lane branch
“Chris Jefferson was great to work with.”
One number rings both branches: 515-288-7225.
Quotes are from members’ Google reviews. Their experiences are their own, and individual results vary.
Bankruptcy. Repossession. No credit yet.
If a bank already said no, you’re in the right place.
Most banks want you when you’re doing well. We want you when you’re not.
Tell us what happened. If we can’t help you today, we’ll be honest about what would change the answer.
“You made my loan happen when no one else could.”
“They have seen me go from never having a credit card and bad credit to getting my first credit card, my first car and my first house.”
Watch Alese’s story
Member story
Bankruptcy, then a better car loan.
Alese had a bankruptcy in her late twenties and a high-rate car loan. In 2022 we refinanced it to a much lower rate. It took two days from her first call to approval.
“I never thought in a million years anyone would do that. And they did.”
Read Alese’s story →Members’ experiences are their own. Individual results, rates, approvals and terms vary by circumstance and are not guaranteed.
What are you borrowing for?
Starting rates as of 5/27/2026. Your rate depends on your credit, what you’re borrowing for and how long. You’ll see it before you sign anything. See the full rate sheet
Auto and truck
Buying new or used, or moving a car loan from another lender.
As low as4.99%APR* $200 cash to refinance an outside auto loan of $10,000+Personal loan
Roll several balances into one loan, or cover a bill that couldn’t wait.
As low as10.99%APR*Home equity
Borrow against the home you own, with a loan or a line of credit.
Loan as low as5.99%APR*HELOC: see current ratesMortgage
Buying a home or refinancing the one you have.
Start witha free mortgage reviewPersonal line of credit
A line you can draw on when something comes up. Borrow only what you need.
As low as10.99%APR*Platinum MasterCard®
A card that helps you build, not bury you.
As low as11.90%APR*RV and boat
For the camper, the boat or the weekend you’ve been planning.
As low as7.49%APR*Savings-secured loan
Borrow against your own savings while they stay put.
APR*2% above your savings APYNot sure which one fits? Talk it through with the lending team first.
*APR = Annual Percentage Rate. Rates shown are the lowest available and depend on credit, term and collateral. Qualified credit. Restrictions may apply. Rates as of 5/27/2026. Rates subject to change. See current rates.
The 4.99% auto rate is for newer model years and shorter terms; your rate depends on the vehicle’s year and the term you choose. The $200 incentive is for auto loans of $10,000 or more refinanced from another lender, for a limited time; it does not apply to loans already with Affinity. The 7.49% RV and boat rate is for newer model years and loans of $20,000 or more. The savings-secured loan APR is your savings APY plus 2%.
The 5.99% home equity loan rate is for the shortest term. Equal Housing Opportunity.
Platinum MasterCard fees, including late and returned-payment fees, are in the Cardholder Agreement on our rates page.
Gage Smith, AFC®Affinity’s financial coach
Not ready to borrow yet? Try free coaching.
If money’s tight, Gage can work with you on a plan. It’s free and confidential, and you don’t need an account.
When you’re ready to borrow, our lending team takes it from there.
Questions people ask first
Do I need to be a member first?
No. Anyone can call or book a visit. To borrow, you’ll need to be eligible to join, and if you are, we’ll set it up along the way. It takes $5 in a savings account, and that $5 makes you a part-owner. See who can join.
I’ve had a bankruptcy or a repossession. Should I even ask?
Yes. Alese came to us after a bankruptcy, and her story is above. The right answer depends on how recent it was and what’s happened since, so it’s worth a conversation.
We have free guides on getting a car loan after bankruptcy and after a repossession.
Will talking to you hurt my credit?
Not by talking to us. Asking questions costs nothing and doesn’t commit you to anything. We check your credit only with your OK, when you apply or ask to be pre-approved. Until then, ask us anything.
What should I bring?
For most loans:
- Proof of income: recent pay stubs, or two years of tax returns if you’re self-employed
- Proof of where you live, like a utility bill
- Your driver’s license
- Refinancing from another lender? Your current payoff statement
Missing something? Call anyway. We’ll tell you what you still need.
How long does it take?
For a car loan, a pre-approval can happen in a single conversation, and funding usually takes 1 to 3 business days once we have your documents. Home loans take longer.
¿Puedo hablar con alguien en español?
Sí. Joselyn Landeros y Tania De La Cruz hablan español. Llame al 515-288-7225 y pregunte por Joselyn, o llame a Tania directamente al 515-777-7812.
Can I add protection to my loan?
Yes. When you borrow from Affinity, you can add protection:
- Loss of life
- Disability and involuntary unemployment
- Mechanical breakdown protection
- GAP (Guaranteed Asset Protection)
It’s optional and never required to get a loan. Ask your loan officer what each one costs before you decide.
How do I pay on a loan I already have? What if I can’t?
Make a payment online. Your Affinity credit card can be paid there too. See every way to pay.
Having a hard month? Call us so we can work with you on it. What to do if you can’t make a loan payment.
Want to see your credit first?
You can get your credit reports free from all three bureaus: Equifax, Experian and TransUnion. Members can also see their score and report in the Affinity app. How it works.
You have the right to a free credit report from AnnualCreditReport.com (opens in a new tab) or 877-322-8228, the only authorized source under federal law.
Rather sit down in person?
Book a time at either branch to talk through a loan.
Hoffman Lane
North Des Moines
475 NW Hoffman LaneDes Moines, IA 50313 Book a visit at Hoffman Lane (opens in a new tab)
Army Post Road
South Des Moines
1700 E Army Post RoadDes Moines, IA 50320 Book a visit at Army Post Road (opens in a new tab)
Prefer the phone? Same number, both branches.
| Phone and drive-up | Lobby | |
|---|---|---|
| Mon, Tue, Thu | 8:30 to 5:30 | 9 to 5 |
| Wed | 10 to 5:30 | 10 to 5 |
| Fri | 8:30 to 6 | 9 to 5:30 |
Closed weekends and holidays.
Already borrowing with us?Make a loan payment Can’t make a payment? Other ways to pay Current loan rates