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Personal Loans

Pay off credit cards or invest in home improvements with our traditional personal loan.

At a Glance

Traditional personal loan – cash for any purpose.


Terms up to 60 months - keeping your payments affordable on larger loan amounts.
Competitive fixed rates - your rate and payment remain the same for the life of your loan.
Save on your loan rate - with Plus or Relationship Checking benefits and make payments electronically.
5.99% APR
4.5 4.5 / 5 stars


60 months


0.50% for Plus and Relationship members

Traditional Signature Loans

Use for large purchases or to consolidate debt.

Terms Terms APR¹ APR¹ EMP² Per $1,000 EMP² Per $1,000
Up to 60 Months 5.99% $19.33
Terms Terms APR¹ APR¹ EMP² Per $1,000 EMP² Per $1,000
Up to 60 Months 5.99% $19.33

Rates are effective {currentdate}.

¹APR = Annual Percentage Rate. Rates are determined by your personal credit history, account relationship, and payment method. Rates listed are for this product only and are subject to change at any time. Published rate includes a 0.50% discount given when you maintain electronic payments and Plus or Relationship benefits on your DCU checking account.

²EMP = Estimated Monthly Payment

*In response to the COVID-19 outbreak and as part of the DCU Cares Program, for Personal Loans opened after 3/25/2020, and until further notice, DCU is offering the option to take advantage of no payments for the first 60 days after the closing of the loan. Interest will begin accruing on the date the loan is funded. The first payment after the 60-day no payment period will first be applied to the interest accrued from the date the loan is funded to the first payment date and then applied to the principal due.

Plan for Your Personal Loan

Choose from our easy to use calculators to help you manage your personal loan.

What Our Members Are Saying

Just what I needed!

RATINGS 5 5 / 5 stars

Thank you so much for coming through for me! Credit repair is a confusing and frightening place. But with DCU, I get the answers and solutions I need to solve every problem. You have given me the tools to feel empowered.

Therese - Fitchburg, MA


The only place

RATINGS 5 5 / 5 stars

I would recommend them to anyone trying to get a loan. I tried everywhere they were the only one to accept my application. Thanks, DCU!

Raybenzino77 - New Bedford, MA


Great service!

RATINGS 5 5 / 5 stars

DCU staff is very helpful. They review applications quickly and respond to your questions effectively. DCU offers great conditions and pleasant service. Thank you all!

Saeed - Lubbock, TX


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