Personal Loans
Everyone needs a little extra sometimes
Need your money to stretch a little further?
We understand that life can get a little more expensive sometimes. Whether you need a little extra for a dream vacation, wedding, education, emergency, or family obligation, our personal loans can help.
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Borrow up to $15,000
Get a loan that works for you and your budget, with up to $15,000 in available loans, without collateral.
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No prepayment penalties
No prepayment penalties, because paying off your loan should be a celebration, not a burden.
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Skip a payment
Our Skip-A-Pay program allows you to skip one monthly payment on a qualifying loan, for when money gets a little tight. Download our Skip-A-Pay Request Form.
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No application fees
Don’t sweat the application process. No need to worry about hidden fees. Apply today.
Our personal loan rates
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Type |
Term |
APR* |
|---|---|---|
|
Type Savings Secured |
Term Up to 5 Years |
APR* 3% over Savings Rate |
|
Type Certificate of Deposit Secured |
Term Up to maturity date |
APR* 3% over Certificate of Deposit Rate |
|
Term |
APR as low as* |
Payment per $1,000 borrowed |
|---|---|---|
|
Stated rates are 0.50% higher without automatic payment of loan. * APR = Annual Percentage Rate. APR is determined by Credit Score and actual rates may vary. All rates/APRs listed are accurate as of the effective date and are subject to change without notice. Please contact a Jeanne D’Arc Credit Union Member Service Representative for more information about applicable fees and terms. |
||
|
Term 1 Year |
APR as low as* 9.99% |
Payment per $1,000 borrowed $87.91 |
|
Term 2 Years |
APR as low as* 10.99% |
Payment per $1,000 borrowed $46.60 |
|
Term 3 Years |
APR as low as* 11.99% |
Payment per $1,000 borrowed $33.21 |
|
Term 4 Years |
APR as low as* 12.99% |
Payment per $1,000 borrowed $26.82 |
Compare your options
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Description
Description
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Sample uses
Sample uses
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Rate
Rate
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Fixed or Variable
Fixed or Variable
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Loan amounts
Loan amounts
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Automatic payments
Automatic payments
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Terms
Terms
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How to access funds
How to access funds
- Apply today
Personal Line of Credit
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Description
A Personal Line of Credit is an open ended loan, which means you can continuously access funds and you pay interest only on the funds you use.
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Sample uses
Borrow money incrementally for things like home improvement projects, holiday shopping, big ticket items and emergencies.
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Rate
Prime 3%, Prime 5%, Prime 9%
Prime is based on Wall Street Journal and creditworthiness
Example: A 750 credit score would receive a rate of prime 3%, If the prime rate is 4.75%, then the rate would be 7.75%
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Fixed or Variable
Variable Rate, can change monthly based on Wall Street Prime Rate
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Loan amounts
Up to $10,000
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Automatic payments
Required for 0.50% rate discount
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Terms
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How to access funds
Transfer from PLOC to Checking or Savings Account or withdraw funds at a branch
- Apply today
Personal Loan
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Description
With a Personal Loan, you will receive a specified amount of money to be paid back in installments. You have a set monthly payment which includes principal and interest.
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Sample uses
Consolidate credit card debt, take a vacation or purchase an older model vehicle.
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Rate
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Fixed or Variable
Fixed Rate
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Loan amounts
Up to $15,000
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Automatic payments
Required for MoneyStrong and for 0.50% Rate Discount
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Terms
1-4 years
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How to access funds
Funds will be deposited to Checking or Savings Account or a check will be generated
- Apply today
Secured Loans
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Description
A Secured Loan is a great option if you don’t have a strong enough credit score to get approved for a personal loan and you’d like to use your savings as loan collateral.
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Sample uses
Consolidate credit card debt, take a vacation or purchase an older model vehicle.
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Rate
3% over Savings Rate or 3% over Certificate of Deposit Rate
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Fixed or Variable
Fixed Rate
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Loan amounts
Borrow up to 100% of the amount available in your Jeanne D’Arc Savings Accounts or Certificate(s) of Deposit
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Automatic payments
No rate discounts for automatic payments
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Terms
Various terms available if secured by a savings account. If secured by a Certificate of Deposit, the term of the loan can be up to the maturity date(s) of your Certificate(s) of Deposit.
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How to access funds
Funds will be deposited to Checking or Savings Account or a check will be generated.
- Apply today
Personal Loans FAQs
Anyone who is eligible for membership at Jeanne D’Arc Credit Union may apply for a loan. See if you are eligible today.
If you’re already a member, your relevant information will be already on hand to begin your application. Basic information may be required to confirm you identity, such as name, address, birthdate, SSN, etc.
If you are not already a member, please contact us at 978-452-5001 or visit one of our branches to speak with a Member Representative who can help you get all of the necessary information needed.
Ready to change your financial future?
Disclosures
*APR = Annual Percentage Rate. 5.99% APR for up to 12 months and is based on your personal credit history. Payments reflect principal and interest only. 12-month rate is payable in 12 monthly installments of $86.06 per $1,000. Loan amounts from $500.00 to $2,000.00. Stated rates are .50% higher without automatic payment. Other terms and conditions may apply.