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Personal Loans

Be holiday-ready with our Holiday Loan!

  • Up to $6,000
  • Rates as low as 9.00% APR*
  • 24 months to pay it off
  • Perfect for holiday travel, festivities, last-minute expenses, and more!
  • Available October 15, 2024 – December 31, 2024

Apply for a Holiday Loan

*APR = Annual Percentage Rate. Rates, terms, and conditions vary based on credit worthiness and other qualifications and are subject to change. New Money Only. No other discounts apply.

Personal Loan Options

Personal Loans

Personal Loans

Specifically designed to meet your changing needs. Use them for holidays, vacations, emergencies, lifestyle, and more. Receive one lump sum and pay it back in fixed monthly payments.

  • Loan amounts from $100 to $40,000*
  • Flexible 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

    • 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 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!

    • Starting at 7.99% APR*
    • Turn your multiple monthly payments with high interest rates into one monthly payment with a lower rate.
    • Use our Loan Consolidation Calculator to see how much you could save monthly!

    Apply Today

    *Certain restrictions apply

    CASH-N-GO

    Cash-n-Go

    • Up to $2,000*
    • A direct deposit of at least $350.00 within the last 30 days
    • No Credit Check!*
    • Easy to apply
    • Same day cash
    • Helps you build credit
    • Emergency cash
    • Pay it back in up to 12 months*
    • 30 days membership

    Apply for Cash-n-Go

    *Certain restrictions apply

    Move Me Loan

    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 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?

    Personal loans are among the most popular loan payment options available. They’re based on a fixed repayment period in which the bank or lender calls for fixed monthly payments. Payments are also unsecured, meaning there’s no collateral or down payment required. Monthly versions often require a suitable credit score to ensure you’re an optimal candidate. If you do qualify, the loan can range as low as $1,000 to more than $50,000. One of the most important aspects to consider is the APR or interest rate. Democracy FCU offers Personal Line of Credit Rates with a $30,000 maximum and an APR based on the variable rate of Wall Street Prime plus 6%. This rate will never fall below 10% or exceed 18%. Note an increase in the Wall Street Prime index will result in higher monthly payments. Payments are variable, with a 2.5% range depending on current balances. 

    Democracy FCU is your go-to financial institution for personal loan payments. Our loan services are perfect for anyone who needs them, especially students and young adults. If you’re looking for a personal student loan, call us today. We tailor our loans to your financial needs. They can range between $100 to $40,000 for up to 84 months of payment. Democracy FCU is the leading member- owned financial credit union in Washington, DC, Northern Virginia, and Maryland. We strive to build community relations and provide the best credit services for those who need them. Contact us today to learn more! You can call us on our service line or fill out our online contact form. Our team of expert financial advisers is here to help in any way we can!

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