Personal Loans

Personal loans as low as 9.49% APRskip to disclosure

With funds available in less than 24 hours, we've got you covered with financing when you need it most.

No fees

No fees

No pre-payment fees. No fees as long as you pay on time.

90 days

No payments for the first 90 days optional1skip to disclosure

Because we could all use a little more time when life gets in the way.

Auto pay

Reduce your rate with auto pay

Sign up for auto pay and reduce your rate by .25%.2skip to disclosure

Today's low personal loan rates

We offer flexible repayment terms from 24 to 60 months with loans from $500 to $50,000.

Term APRskip to disclosure
as low as
Up to 24 months9.49% APR
25 to 36 months10.49 % APR
37 to 48 months11.49% APR
49 to 60 months13.49% APR
Dad playing with son on couch

What is a personal loan?

A personal loan is a lump sum of money that you could borrow for almost anything, such as consolidating debt, paying off medical expenses, auto repairs, vacations, weddings, and other major purchases.

Unlike credit cards which often have variable rates, personal loans offer fixed rates with a fixed repayment term.

How it works


Apply online, over the phone, or in person.


Receive your decision via email or we'll call you with any questions.


Funds will be available shortly after signing.

See what our members are saying about their personal loans

star rating Average star rating of 5 stars 184 Reviews of Personal Loans

The entire team was so helpful! They got me the best rate & repayment plan for me!

Letter K in circle

Kate W.

Great experience getting a personal loan. The customer service provided was amazing, highly recommend!

Letter O in circle

Omar C.

So happy to be a member of DuPage Credit Union. It was one of the easiest loans I have applied for. Customer service was and is always excellent.

Letter V in circle

Veronica D.

Common personal loan questions

A personal loan is a fixed-rate loan, typically unsecured – a loan that requires no collateral – with terms that range from 24-60 months. Personal loans could be used for debt consolidation, home repairs, emergencies, replacing appliances, auto repairs, medical expenses, new furniture, vacations, honeymoons, weddings, and much more!

We have flexible personal loan repayment terms from 24 – 60 months.

When you agree to make your payment automatically through Digital Banking or through payroll deduction/ACH, you could reduce your rate by .25%.² Discount does not apply to promo personal loan rates.

Apply for a low-rate personal loan today.

  • Must have a DuPage Credit Union membership established and be in good standing.

  • Personal Loans APR = Annual Percentage Rate. Rates may vary based on creditworthiness. All loans, terms and conditions are subject to credit union qualifications and approval. Rates are subject to change without notice. Some restrictions may apply. Does not apply to loans currently financed through DuPage Credit Union. Must be a member in good standing. Payment Example: Personal Loan APR’s are based on term with a monthly payment per $1,000 financed (9.49% APR/24 mo, $45.91; 10.49% APR/36 mo, $32.50; 11.49% APR/48 mo, $26.08; 13.49% APR/60 mo, $23.00).

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  • First payment may be deferred up to 90 days. Interest continues to accrue during deferred payment period.

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  • Reduce your rate by .25% when you sign up to make your loan payments through auto pay. Reduce your rate subject to change without notice. Cannot be combined with any other offers. Must be a member in good standing.

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