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Keep your car. Pay less monthly.
‘Tis the season for our Holiday Loan.
Early opening and closing - December 9

Personal Loans

Light up the holidays with a holiday loan. Click to apply.

Personal Loans

Personal are specifically designed to meet your changing needs. Use them for holidays, vacations, emergencies, and lifestyle, your choice. Receive one lump sum and pay it back in fix monthly payments.

  • Holiday Loan

    Are you Holiday ready? With our low-rate Holiday Loan, you can cover everything from gifts and entertaining to decorations and more!

    • Up to $5,000
    • As low as 6.49% APR*
    • 24 months to pay it off

    Apply Now 

    *APR = Annual Percentage Rate. As low as rate includes 2% discount. Total rate discounts cannot exceed 2% – no other discounts apply. Rates, terms, and conditions vary based on credit worthiness and other qualifications and are subject to change. Payment example: 6.49% APR for 24 months, $222.70 per month for $5,000 borrowed. Payment examples do not include debt protection coverage. New Money Only.

  • Personal Loans
    • Loan amounts from $100 to $40,000*
    • Flexible terms up to 84 months*

    Apply

    *Certain restrictions apply. Some products may not be combined with other Democracy FCU discounts. Loan decisions based on member qualifications and credit score.

  • CASH-N-GO
    • $1,000 with proof of income required
    • $1,500 with a direct deposit of at least $138 within last 30 days
    • No Credit Check!*
    • Easy to apply
    • Same day cash
    • Helps you build credit
    • Emergency cash
    • Pay it back in 12 months*
    • 30 days membership

    Apply

    *Certain restrictions apply

  • Personal Lines of Credit
    • An unsecured loan that makes cash available when you need it most
    • Receive Line of Credit checks you can use instantly to draw on your credit line
    • Transfer funds from your line of credit to your checking account through Online Banking 

    Apply

  • Move Me Loan

    Looking to rent? Make moving into your new place a reality with our Move Me Loan!

    • Fixed rate of 7.00% APR*
    • Minimum amounts starting at $1,000 up to $8,000*
    • Defer payments for 60 days!*
    • Terms up to 48 months*

    Apply

    *Certain restrictions apply. Some products may not be combined with other Democracy FCU discounts. Loan decisions based on member qualifications and credit score.

Calculate Your Personal Loan Payment

Enter Desired Loan Amount
72 months
Payment Amount
60 months
Payment Amount
48 months
Payment Amount
24 months
Payment Amount

Apply Today Contact Us to Get Started

Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

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