Make this Summer Count with a Personal Loan
From staycations to home upgrades (or just catching up on bills), a DowneyFCU Personal Loan gives you the cash you need—with low rates and flexible terms to fit your life.
finance your goals
Get up to
$25,000
Rates1
FICO
12 Months
24 Months
36 Months
48 Months
60 Months
FICO ≥720
12 Months —
24 Months —
36 Months —
48 Months —
60 Months —
FICO 680-719
12 Months —
24 Months —
36 Months —
48 Months —
60 Months —
FICO 640-679
12 Months —
24 Months —
36 Months —
48 Months —
60 Months —
FICO 600-639
12 Months —
24 Months —
36 Months —
48 Months —
60 Months —
FICO ≤599
12 Months —
24 Months —
36 Months —
48 Months —
60 Months —
Frequently Asked Questions
What Can I Use a Standard Personal Loan For?
Our Standard Personal Loan can be used for various purposes: consolidating debt, financing home improvements, covering medical expenses, funding vacations, or managing major life events like weddings or moving.You have the freedom to use your funds however you would like!
Are there fees associated with a Standard Personal Loan?
Some Loans come with fees: such as origination fees, late payment fees, or prepayment penalties. At DFCU, the only fee you can expect is with late payments. Late payment charge (more than 10 days late) consist of 20% of the interest due that month.Enjoy NO application or pre-payment penalties.
How long does it take to get approved for a Standard Personal Loan?
Typically at DFCU, with this product, if you apply in the morning you will obtain a response the same day.3Disclosures
1
Rates and amounts quoted are the best possible terms for each tier based on credit score and other factors, and include rate discounts for Shield Elite Checking account holders and direct deposit into a DFCU checking account. Other rates and terms are available. The actual terms you qualify for will be based on credit history and other factors. (Payment example: $15,000 loan for 60 months at 10.25% APR would require 60 payments of $320.55). Rates are subject to change without notice.
2
Please consult with a financial advisor regarding your specific situation. The statements provided are general guidelines.
3
Decision times are not guaranteed and response rates may vary.