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Personal Loans

Everyone needs a little extra sometimes

Apply for a personal loan online

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.

  • 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.

  • No prepayment penalties

    No prepayment penalties, because paying off your loan should be a celebration, not a burden.

  • 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.

  • No application fees

    Don’t sweat the application process. No need to worry about hidden fees. Apply today.

Our personal loan rates

Secured Loans

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

Compare your options

  • Description

    Description

  • Sample uses

    Sample uses

  • Rate

    Rate

  • Fixed or Variable

    Fixed or Variable

  • Loan amounts

    Loan amounts

  • Automatic payments

    Automatic payments

  • Terms

    Terms

  • How to access funds

    How to access funds

  • Apply today

Personal Line of Credit

  • 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.

  • Sample uses

    Borrow money incrementally for things like home improvement projects, holiday shopping, big ticket items and emergencies.

  • 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%

  • Fixed or Variable

    Variable Rate, can change monthly based on Wall Street Prime Rate

  • Loan amounts

    Up to $10,000

  • Automatic payments

    Required for 0.50% rate discount

  • Terms

  • How to access funds

    Transfer from PLOC to Checking or Savings Account or withdraw funds at a branch

  • Apply today

Personal Loan

  • 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.

  • Sample uses

    Consolidate credit card debt, take a vacation or purchase an older model vehicle.

  • Rate

    As low as 9.00%

    Based on term and creditworthiness

    See all rates

  • Fixed or Variable

    Fixed Rate

  • Loan amounts

    Up to $15,000

  • Automatic payments

    Required for MoneyStrong and for 0.50% Rate Discount

  • Terms

    1-4 years

  • How to access funds

    Funds will be deposited to Checking or Savings Account or a check will be generated

  • Apply today

Secured Loans

  • 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.

  • Sample uses

    Consolidate credit card debt, take a vacation or purchase an older model vehicle.

  • Rate

    3% over Savings Rate or 3% over Certificate of Deposit Rate

    See all rates

  • Fixed or Variable

    Fixed Rate

  • Loan amounts

    Borrow up to 100% of the amount available in your Jeanne D’Arc Savings Accounts or Certificate(s) of Deposit

  • Automatic payments

    No rate discounts for automatic payments

  • 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.

  • 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?

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