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Personal Loans

Personal Loan Options

Personal Loans

Personal Loans

Get a Personal Loan near you that’s specifically designed to meet your changing needs. Use the cash for holidays, vacations, emergencies, and more. Receive one lump sum and pay it back in fixed monthly payments.

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

Apply for a Personal Loan

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

    Personal Line of Credit

    Personal Line of Credit

    Apply for a Personal Line of Credit near you to get a no-collateral loan that makes cash available when you need it most.* You’ll have access to a set amount of funds (similar to a credit card), and you only pay interest on what you use.

    • 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 for a Personal Line of Credit 

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

    Debt Consolidation

    Debt Consolidation

    Feel confident in your financial future by consolidating your debt with a Personal Loan!* This debt consolidation option helps you save on interest.

    • Turn your multiple monthly payments with high interest rates into one monthly payment with a lower rate.
    • Use our Debt Consolidation Calculator to calculate loan payments and see how much you could save monthly!

    Apply Today

    *Certain restrictions apply

    Move Me Loan

    Move Me Loan

    Need financial assistance for moving expenses? Make moving into your new place a reality with our low, fixed Move Me Loan rate!

    • Minimum amounts starting at $1,000 up to $8,000*
    • Defer payments for 60 days!*
    • Terms up to 48 months*

    Apply for a Move Me Loan

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

    Estimate payments

    Rates

    Calculate Your Personal Loan Payment

    Enter Desired Loan Amount
    84 months
    Payment Amount
    72 months
    Payment Amount
    60 months
    Payment Amount
    48 months
    Payment Amount
    36months
    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.

    Looking to Consolidate Debt?

    Loan Consolidation Calculator

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    Why get a personal loan at Democracy FCU?

    Democracy FCU is your go-to financial institution for financial planning and loan options in DC, VA and MD. We tailor our affordable financial loans to your needs and provide the best financial services for credit union members.

    Even if you have a low credit score or are struggling financially, we will do what we can to help you reach your goals. Contact us today to learn more or to discuss financial loan options. Our team of expert financial advisers is here to help in any way we can!

    Loans