Personal Loan

Pay off your credit cards while paying 0% interest. Explore our flexible personal loan designed to meet your financial needs.

Featured

Personal Loan

Introductory Rate of

0.00%

APR¹

For 6 Months Then as Low as

13.49%

APR

No origination fee
12-60 month terms
Access cash up to $25,000

A couple sitting in front of a lake with mountains in the background.

Apply via your existing account

Express Apply with Online Banking Apply now

New to Direct?

Start your application here

A Loan Tailored For You

If you're looking to make an important purchase or consolidate some of your debt, our Personal Loan options are some of the best around. Quickly apply for funds to cover an expensive purchase, emergency expense, or even a vacation.

Access funds up to $25,000 based on to your creditworthiness.
Funds for any financing purpose.
No prepayment penalties.

Personal Loan Rates

To see the full table, scroll horizontally.

APR¹

First 6 Months

0.0000

After 6 months As Low As

0.1349

To see the full set of data, scroll horizontally.

margin

APR²

As Low As Prime +

0.0574

0.1324

Maximum rate is 18%.

View Disclosures

The Personal Loan Annual Percentage Rate (APR) is 0% and is applicable for the first six (6) months following loan disbursement. The introductory rate is available to new personal loan accounts only and is subject to credit approval. The standard APR range 13.49% to 17.99% is based on credit worthiness. The standard APR will apply to any remaining balance starting on the first day of the seventh (7th) month. Maximum loan amount $25,000. Available terms (12 to 60 months). The term selected may impact your monthly payment amount and total cost of the loan. Payments due monthly. No prepayment penalties. Borrowers may pay off their loan early without incurring additional fees. Applicants must meet Direct Federal Credit Union’s membership requirements. Loan approval is subject to verification of income, creditworthiness, and other underwriting criteria. During the introductory period, no interest will accrue on the loan balance. After the introductory period, interest will begin to accrue based on the standard APR.

Apply via your existing account

Express Apply with Online Banking Apply now

New to Direct?

Start your application here

Add-On

Debt Protection

Life can be unpredictable, and our Debt Protection service offers an extra layer of security for your loans. With Debt Protection, you can ensure that your loan payments are covered in situations such as disability, involuntary unemployment, or even loss of life.

Explore Coverage

Personal Loan Calculator

Use this personal loan calculator to determine out the total amount of your personal loan (principal + interest) and how much you have to contribute monthly to pay it off by the end of the loan term.

Interested in a personal loan?

Our relationship bankers are here to help you take the first step.

Schedule Call Send Message

Glossary

Annual Percentage Rate (APR)

The Annual Percentage Rate (APR) is the yearly interest rate that borrowers are charged on a sum of money. It is expressed as a percentage and represents the actual cost of funds over the term of a loan. This rate includes any fees or additional costs associated with the transaction but does not consider compounding. The APR is a helpful measure for consumers to compare among lenders as it provides a clear and standardized number.

Not-for-Profit

Direct Federal is a not-for-profit, meaning that earnings are invested right back into the credit union. And that means Direct Federal can offer lower loan rates and higher deposit rates that you simply won't see anywhere else.

get in the know