back to top
Check loan status
RatesRates Contact UsContact Us LocationsLocations Search Sitesearch our site
open mobile menuclose mobile menu

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*

What can a Personal Loan be used for?

A Personal Loan can be used for almost anything. Unexpected costs like medical bills or a car repair are common examples. Funds can also provide helpful support through a season of financial hardship. Alternatively, the cash can be used to pay off credit cards, allowing you to consolidate debt into one lower-interest loan. Ultimately, a Personal Loan gives you flexibility to allocate funds as you see fit.

How does a Personal Loan work?

You borrow a set amount of money and repay it over time through fixed monthly payments. Your rate and term are determined upfront, so you’ll know exactly what to expect each month until the loan is paid off.

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.

    Everyday Access Line of Credit

    Give Yourself More Breathing Room for the Unexpected.

    Life happens. Everyday Access gives you a reusable financial safety net so you can handle an unexpected expense and keep moving forward.

    start my application
     

     

    *APR = Annual Percentage Rate. Rates subject to change.

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

     

    Hope & Relief Consolidation Loan

    Ready to Simplify Your Debt?

    See whether Hope & Relief could help bring your eligible debts into one manageable monthly payment.

    start my application

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

    **APR = Annual Percentage Rate. Rates subject to change.

    Move Me Loan

    Move Me Loan

    Need a loan 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.

    Debt Consolidation Calculator

    How much debt are you looking to consolidate?
    Consolidate this much debt:
    for 36 months
    and your monthly payment will be as low as:
    Payment Amount
    for 60 months
    and your monthly payment will be as low as:
    Loan Amount
    for 72 months
    and your monthly payment will be as low as:
    Loan Amount

    Apply Today Contact Us to Get Started

    Calculations use lowest possible rate, and your rate and/or payment may differ. Rates used in payment calculations above include discounts for direct deposit of net check (pay, Social Security, retirement); or a minimum of $2,500 in unencumbered shares in the Credit Union and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on credit worthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.



    Loyalty Loan Discount

    Related Products and Services

    VISA®

    Auto Loans

    Share Certificates

    Loans