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PERSONAL
LOAN

as low as
APR 1
Apply Now
Unlock Holiday Cheer with a Personal Loan
This season, don’t let financial stress dim your holiday spirit. From making cherished holiday memories to managing everyday expenses, our personal loan can help you stay on track while enjoying Credit Union perks.
finance your goals
Get up to
$25,000
+Skip a Payment Every 6 Months!
1
For Travel
Explore new places and create lasting memories without the immediate financial strain.2
For Savings
Lower your existing debt’s interest rate to save money and pay it off faster.2
For Everyday
From groceries and gas to unexpected expenses, our loan covers your needs.2
Rates1
FICO
12 Months
24 Months
36 Months
48 Months
60 Months
FICO ≥720
12 Months —
24 Months —
36 Months —
48 Months —
60 Months —
FICO 680-719
12 Months —
24 Months —
36 Months —
48 Months —
60 Months —
FICO 640-679
12 Months —
24 Months —
36 Months —
48 Months —
60 Months —
FICO 600-639
12 Months —
24 Months —
36 Months —
48 Months —
60 Months —
FICO ≤599
12 Months —
24 Months —
36 Months —
48 Months —
60 Months —
Frequently Asked Questions
What Can I Use a Standard Personal Loan For? Our Standard Personal Loan can be used for various purposes: consolidating debt, financing home improvements, covering medical expenses, funding vacations, or managing major life events like weddings or moving.
You have the freedom to use your funds however you would like!
Are there fees associated with a Standard Personal Loan? Some Loans come with fees: such as origination fees, late payment fees, or prepayment penalties. At DFCU, the only fee you can expect is with late payments. Late payment charge (more than 10 days late) consist of 20% of the interest due that month.
Enjoy NO application or pre-payment penalties.
How long does it take to get approved for a Standard Personal Loan? Typically at DFCU, with this product, if you apply in the morning you will obtain a response the same day.3
Disclosures
1
Rates and amounts quoted are the best possible terms for each tier based on credit score and other factors, and include rate discounts for Shield Elite Checking account holders and direct deposit into a DFCU checking account. Other rates and terms are available. The actual terms you qualify for will be based on credit history and other factors. (Payment example: $15,000 loan for 60 months at 10.25% APR would require 60 payments of $320.55). Rates are subject to change without notice.
2
Please consult with a financial advisor regarding your specific situation. The statements provided are general guidelines.
3
Decision times are not guaranteed and response rates may vary.