Personal Loans

DuTrac’s Personal Loans offer:

  • Low interest rates
  • Fast approval
  • Flexible payment terms

EZ Access Line of Credit

DuTrac’s EZ Access Line of Credit is a line of credit which can be accessed anytime you need it. It can provide you with peace of mind knowing that in the event your checking account balance is not sufficient to cover a check presented for payment, the line of credit will kick in to help save Non-Sufficient Fund (NSF) fees. Your check clears uninterrupted and your good name is assured.
The advantages of EZ Access Line of Credit:

  • Access 24/7 through PC Branch
  • Access 24/7 through AccessLine, your 24-hour telephone access service

Credit Builder

What is the Credit Builder Loan?
The DuTrac Credit Builder Loan is designed for members who may not have credit or may need to re-establish their credit. This loan allows members to move towards achieving financial independence with the help of an automatic savings plan built directly into the loan. DuTrac will help members establish an affordable payment with a reasonable term(s) and low interest rate.

How Does the Credit Builder Loan work?
The DuTrac Credit Builder Loan is fully secured by placing the “loan” proceeds into the member’s savings account at DuTrac. The approval is based on the capability to repay the loan back. As with all loans, payments will be reported to the credit bureau. If there is no credit file (ex. just turned 18 years old, never had a loan before, no credit score) the Credit Builder Loan will help the member establish credit history and generate a credit score. If a member may have had some credit issues in the past (ex. collections, recent bankruptcy, poor knowledge or handling of credit) the Credit Builder Loan can help to re-establish a stronger credit history.

How do I take advantage of the Credit Builder Loan?
Applying for the DuTrac Credit Builder Loan is easy. Simply click here to set up an appointment with a highly qualified DuTrac financial services consultant. Choose to have your credit report pulled in advance so we can review the report and prepare a plan for building or re-building your credit. We will contact you to verify your information and appointment date.