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Enjoy 6.50% APR - Personal Loans

Regardless of Credit!
It's our 65thAnniversary and we wouldn't want to celebrate any other way than with our members! In honor of 65 years of DFCU, enjoy a rate as low as 6.50% APR on Personal Loans, regardless of your Credit*, for the month of July. Whether you're looking to consolidate high-interest debt or need a hand with a big purchase, achieve those financial goals with our Sixty Five Year Savings!
Considering a Personal Loan with us? Here are some of our member perks:

Why choose us?

  • 10-day grace period on payments
  • Conveniently make payments at our Branch, Shared Branches or Online
  • Loan amounts up to $25,000
  • Enjoy a fixed, low rate for the life of your loan
  • Skip-a-payment every 6 months! (More info)

  • What will I need to apply?

  • Driver's License or Identification Card (We accept ITIN)
  • Payoff Information
  • 2 most recent paystubs
  • To apply you don't need to be a DFCU member, but you'll need to become a member for loan funding

  • If approved, you'll secure 6.50% APR. The term and loan amount you qualify for will be as follows:
    A Credit Tier (720+) Up to $25,000 — 60 month term
    B Credit Tier (680-719) Up to $15,000 — 60 month term
    C Credit Tier (640-679) Up to $7,500 — 48 month term
    D Credit Tier (600-639) Up to $3,000 — 24 month term
    E Credit Tier (599 or below) Up to $1,000 — 12 month term


    LOAN NOT GUARANTEED.
    Apply Now
    *APR = Annual Percentage Rate. DFCU's 65th Anniversary promotion is valid for personal loan applications submitted between 7/1/21-7/31/21 ‐ the loan must be approved by 7/31/21 and funded by 8/4/21 to be eligible for this offer. This offer is not valid for refinancing an existing DFCU loan. No other discounts can be applied to this offer. Loan approval is not guaranteed and is based on DFCU's standard loan underwriting guidelines, including but not limited to: income, debt-to-income ratio, good membership standing, credit history, credit score, and other factors. The lowest loan rate for this promotion is 6.50% regardless of term no rates will be offered below this rate. Applicants with the following credit tiers will be eligible to receive the following terms and loan amounts:

  • A Credit Tier ‐ Borrow Up to $25,000 for 60 months
  • B Credit Tier ‐ Borrow up to $15,000 for 60 months
  • C Credit Tier ‐ Borrow Up to $7,500 for 48 months
  • D Credit Tier ‐ Borrow up to $3,000 for 24 months
  • E Credit Tier ‐ Borrow Up to $1,000 for 10 months

  • Member must sign up for, or have, direct deposit with DFCU in order to be eligible for this offer. DFCU will ask for proof of direct deposit into a DFCU account before loan funding. If the direct deposit is canceled, the discounted rate will be reverted to the standard (non-promotional) rate. Other terms and rates are available. Rates are subject to change without notice. To see standard DFCU loan rates and terms visit www.downeyfcu.org.
  • Late payment charge (more than 10 days late)
  • 20% of the interest due that month
  • No application fee
  • No pre-payment penalty
  • Apply online via Online Banking
  • Over the phone at 562.862.8141
  • In branch at DFCU