Personal Loans
Find the right fit for your financial needs.
Fair and Affordable
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
- Short-term loans for anticipated tax refunds
- Low-cost alternatives to high-interest Payday lenders
Personal Loan Options
Whether you’re looking to cover a large or unexpected expense, consolidate debt, or make a major purchase, our range of personal loan and line options might be just the ticket.
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.
This is a great option if you’re looking for rates lower than most credit cards but don’t want to put up collateral.
- Approval is based on your ability to repay without requiring collateral
- Terms up to 60 months
- Maximum loan amount of $15,000
- Repayment based on recurrence of expenses
- Counts towards CU*Perks eligibility.
Secure 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.
This is a great option if you want to save on interest and have a savings fund you can use as collateral.
- 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.
This is a great option if you’re looking for more flexibility, not sure how much you need, or don’t need all your funds at one time.
- Up to a $5,000 credit limit
- Counts towards CU*Perks eligibility
- May be eligible for Debt Protection
PayDay Advance Loans
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.
This is a great option if you need to cover an unexpected bill or expense and want to avoid predatory lenders.
- Maximum loan of $1,000
- Payable over 60 days via payroll allotment
- Available once a quarter
- Interest accrues only for the duration of the loan
- One-time $25.00 Processing Fee Applies
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Loan Type |
Rates as low as |
Terms/Information |
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*APR = Annual Percentage Rate. Rates are based on creditworthiness and not all borrowers will qualify for the lowest rate.
Learn more about Personal Loans and Lines
Smarter Student Loans |
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Loan Type Signature Loans |
Rates as low as 8.990% APR* |
Terms/Information No collateral – just your signed promise to repay! |
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Loan Type Overdraft Protection Line of Credit |
Rates as low as 11.000% APR* |
Terms/Information Protect your checking account from getting insufficient funds! |
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Loan Type Debt Consolidation Loan |
Rates as low as 8.990% APR* |
Terms/Information Got the too-many-bills blues? Let us try and help you get ahead! |
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Loan Type Share Secured Loan |
Rates as low as Low rates—dividend rate plus 3% |
Terms/Information 12 month term. |
Debt and Spending Calculators
Get the answers you’re looking for
Yes, we have loans for all purposes!
The interest rate depends on your credit score. That is why reclaiming your credit is so important! Check out today’s personal loan rates
Struggling to manage your debt?
Check out our “Manage Your Debt and Finances” guide for helpful tips about how to manage, consolidate and pay off debt, create a budget, and more.
