Personal Loans & Lines of Credit

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Let us help you reach your goals.

Surprise expenses, financing a dream, or simply streamlining your finances can all benefit from a personal loan or line of credit. Apply online or request an appointment today.

When you need cash quickly, we’re here to help with an affordable fixed-rate personal loan tailored to the amount and term that fits your situation. As a DuTrac member, you can benefit from:

  • Low, competitive interest rates
  • Fast approval
  • Flexible payment terms of up to 48 months
  • No prepayment penalties
  • No annual fees
  • No origination fees

Our personal loans are unsecured loans, meaning you do not need to pledge any collateral to receive the funds, but it does result in a slightly higher interest rate than other types of consumer loans. Personal installment loan rates are based on an individual’s risk-based lending evaluation, term of the loan and credit score, making these a more affordable option than a credit card for expenses and debt consolidation.

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Access cash anytime you need it with a revolving line of credit that can be set up as overdraft protection. It’s an easy path to peace of mind should your checking account balance not cover a check. Your check clears uninterrupted and saves you non-sufficient fund (NSF) fees. Plus, you can access your account 24/7 through PC Branch or AccessLine.

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The Credit Builder Loan is designed for members who may not have credit or may need to re-establish their credit.

With an automatic savings plan built directly into the loan, the program provides an affordable payment plan based on a reasonable term and a 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. Loan approval is based on the capability to repay the loan back.

As with all loans, payments will be reported to the credit bureaus. If there is no credit file, such as for members who have never had a loan before, the Credit Builder Loan will help the member establish credit history and generate a credit score.

The program is also ideal for members who have had credit issues in the past, such as a defaulted loan, recent bankruptcy, or poor knowledge or handling of credit. The Credit Builder Loan can help to re-establish a stronger credit history.

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Additional benefits available include:

Our Member’s Choice Payment Protection can help if your income is reduced or eliminated due to involuntary unemployment, a disabling injury or illness or an unexpected death. Click here to begin a Member Protection claim.