Personal Loans

We’re proud to offer you a wide range of fair, affordable loans.

Our loan options allow you to find the right fit for your life.

DC Credit Union offers several different personal loans. For our qualified members, one of our personal loans might be the easiest way to get the cash you need for a home improvement project, a big life event, or to get through an unexpected tough time. Whatever your need may be, we have a loan to fit you:

Low fixed rates
Low or no fees
A range of loan amounts, depending on the type of loan you choose
Personal loans secured by your savings account
Signature loans with terms up to 60 months
A range of loan amounts, depending on the type of loan you choose
Short-term loans for anticipated tax refunds
Low-cost alternatives to high-interest Payday lenders
Open-end personal lines of credit

Apply Today!

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Applying online is fast and easy.

Should you have any questions or need assistance, please reach out to us:

Phone: 877-784-5551
Representatives Available
Mon-Fri: 8am-7pm

Email: [email protected]

(Please do not include private account information in message)

Personal Loans and Lines

Loan Type

Rates as low as

Terms/information

*APR = Annual Percentage Rate. Rates are based on creditworthiness and not all borrowers will qualify for the lowest rate.

Signature Loans

8.990% APR*

No collateral – just your signed promise to repay!

Overdraft Protection Line of Credit

11.000% APR*

Protect your checking account from getting insufficient funds!

Debt Consolidation Loan

8.990% APR*

Got the too-many-bills blues? Let us try and help you get ahead!

Credit Builder Loan

Low rates—dividend rate plus 3%

12 month term.

Relief Loan

6.99% APR*

Has inflation impacted your financial wellness? Let us give you some relief!

Signature Loan

Our Signature Loan is a great way to pay for that improvement project you’ve been planning for your house, or to afford your upcoming celebratory vacation. No collateral is required for this loan.

Approval is based on your ability to repay without requiring collateral
Terms up to 60 months
Maximum loan amount of $15,000
No collateral required
Repayment based on recurrence of expenses
Counts towards CU*Perks eligibility.

Secured Personal Loan

For a lower rate on your personal loan, you may use your savings funds on account as security. You choose between your savings or a term certificate. Both will continue to earn dividends while you get a lower rate on your loan, so your money works harder for you.

Low rates—dividend rate plus 3%
Terms to 60 months for share secured
Terms available up to the maturity date of the certificate
Counts towards CU*Perks eligibility

Personal Line of Credit

Our Personal Line of Credit is open-ended credit that can be accessed at your discretion. That means you have funds available the moment you need them.

Up to a $5,000 credit limit
Counts towards CU*Perks eligibility
May be eligible for Debt Protection

Relief Loan

We understand that the pandemic, inflation, and other economic affairs may be having an impact on your financial wellness.

Rates as low as 6.99% APR
24-month terms
Borrow up to $3000
No minimum credit score required

PayDay Advance Loan

Our PayDay Advance loans are an alternative to the high-cost loans offered by Payday lenders. If you need an emergency loan to help when your funds fall shorter than anticipated, we offer this low-cost, short-term loan based on your anticipated payroll deposit.