The following worksheet must be used in the determination of a borrower's tangible net benefit as the benefit relates directly to the new loan extended. With low, fixed personal loan rates and no application fee, AZFCU's Personal Loans are great for debt consolidation and all your personal loan needs.Have questions about your loan? Browse our frequently asked questions to find answers. Refinance your car loan in 3 steps. Apply for your loan. The application must be complete. Incomplete applications will be returned to the applicant. Pre-approval letters let the borrower know the exact terms of the loan amount, down payment requirements and monthly payments. Find the answers to questions about your lease, MyAccount and more GM Financial related questions.