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Personal Loan

With us, it really is personal

Get a loan from a local lender who knows your name, and start making the big things in your life happen.

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Personal Loans

A straightforward loan for practically anything. No collateral needed.

Personal Loan Rates

Secured Loans

Get an even lower rate by using your savings account to back up your loan.

Secured Loan Rates

Credit Builder Loans

Comebacks aren’t just for rappers and sports teams. Start rebuilding.

Credit Builder Rates

Plenty of term and payment options. No pre-payment penalties.

Monthly Payment

How much is the loan you want?
How's your credit?
Term (Months)

I have always had a wonderful experience with the CU. When other banks wouldn't give us loans, DCCU has come through with not only a loan, but great rates.

Mary C.

Here's how it works


Apply online

Fill out your personal loan application right here online.

Apply Online

Say hello

Applying for a secured loan? Give us a call or send a message.

Contact Us

Download the app

Set up automatic payments with Mobile Banking.


Financial Coaching

Meet Lea, our Virtual Financial Coach!

Have questions about credit? Our Virtual Financial Coach can help! Chat 24/7 for personalized advice.

Frequently Asked Questions

We offer loan terms up to 60 months.

Payment Deferment

If you are experiencing hardship, and need assistance, please request information about our loan payment deferment program. Request information using the form below.  Please note that credit card payments and Home Equity Line of Credit (HELOC) payments are not eligible for deferment. If you are requesting a third deferment, please call 303-573-1170. Third deferments may require additional documentation including but not limited to a letter of hardship, your 2019 W2, 2019 federal tax returns, two recent pay stubs, and your account statements.

Request Deferment Information

If you need assistance with a mortgage payment and your mortgage is serviced through one of Denver Community Credit Union’s service partners, please contact your servicer directly.  Below is the contact information for making a payment deferment request for both of our servicing partners.

Pivot Servicing Group
Website: (You may make an online payment deferment request on this site.)
Phone: 303-952-1070

Midwest Loan Services
Email: [email protected]
Phone: 1-800-262-6574

Member Assistance Loan
This loan is designed to give current members access to funds during this difficult time This loan is a fixed rate, personal loan featuring 4.99% Annual Percentage Rate, for up to 18 months, with the first 90 days’ of payments deferred.  This loan amount is up to 2x net income, or $3,000, whichever is less.  The applicant must demonstrate hardship.  Documentation may be requested.  Income verification is required. Must be a Denver Community Credit Union member for 90 days or more to qualify. Use the link below to apply.

Member Assistance Loan

You will need to know your Social Security Number, and provide a valid ID. The loan application will require information about your employment and income. Depending on the loan, you may be required to provide additional information.

If you are employed, paystubs are an acceptable form of proof of income. If you are self-employed, we require your last two years of tax returns. If you are retired, award letters are acceptable. If you are a non-citizen borrower, two years of tax returns are required.

One business day.

Please check the status of your loan application by calling 303-573-1170, or using our Lending Contact Form.

You may make a loan payment by making a transfer within your online or mobile banking account, visiting our online payment portal, calling 303-573-1170, or by visiting any branch location.

Yes, you can apply for a loan online from the comfort of your home.

Personal Loans Disclosures

All loans are subject to credit approval, employment verification, and income verification.

*APR is Annual Percentage Rate. With approved credit and income verification. Rates are subject to change without notice. Personal Loan Payment Example: For a $5,000 with a 36-month term payments at 5.95% APR, the monthly payment would be $30.40 per $1,000.  Must finance $5,000 or more to receive rate as low as 5.95% APR.  Please see our rates.