Flexible, Affordable Personal Loans

From lawnmowers to laptops, concrete to car repairs, you need money for what life throws your way. Come to Dupaco Community Credit Union for a personal loan that fits the bill. With low rates and flexible repayment terms, we'll try to structure any loan to meet your borrowing needs. Contact our loan department for rates at loans@dupaco.com or 800-373-7600 / (563) 557-7600, ext. 202 to find out what makes Dupaco a trusted source for your personal loan.

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Personal loan options include:

  • Signature Loan: Eligible members may borrow up to $15,000, with terms up to 36 months. Rate is based on member's credit score and requires no collateral.
  • Consolidation Loan: Downsize your monthly loan and credit payments combining almost any type of debt, like car, furniture, computer, boat, and credit card loans, even your house payment. Most likely, you'll lower your monthly payment and pay less in interest, too.
  • Share Secured Loan: Put up your own savings or term share certificate as collateral to borrow at one of the lowest rates. Terms up to 36 months, with financing up to 100% of the available balance in the savings or certificate account. A "hold" is placed on the funds securing the loan and as the loan balance decreases the "hold" amount also decreases.
  • Credit Coach Loan: This low-interest, secured loan with Dupaco will kick off a strong foundation for future saving and borrowing while building credit. Learn more about Dupaco's Credit Coach today!
  • Home Improvement Loan: This longer term loan is designed for home owner's with a minimum credit score of 660 and little, to no, equity in their home, and want to accomplish home improvement projects such as furnaces, in-ground pools, bathroom/kitchen remodeling, roofing, siding, flooring, and more.

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Personal Loan Rates & Information

Personal Loan Rates3

Current as of: 3/23/2019
Term Annual Percentage Rate (As Low As)1 Cooperative Giveback Rate (As Low As)2
24 Months 8.50% 8.35%
36 Months 9.00% 8.85%
1Personal Loan Rates: Loan annual percentage rates (APR) based on member credit qualification and total loan amount. Rates are subject to change without notice.
2Cooperative Loan Discount Rates: To qualify for Cooperative Loan Giveback discounts, you must have the following account relationships with Dupaco Community Credit Union:
Savings, Checking, Automatic Payment: .05% discount;
Savings, Checking, $1,500 or more in a savings or loan account, direct deposit, automatic payment: .10% discount;
Savings, Checking, $1,500 or more in a savings or loan account, direct deposit, automatic payment, Dupaco VISA card, and any one of the following: Certificate, IRA, Home Equity Line of Credit, or other loan: .15% discount.
3Personal loan payment example for illustrative purposes only: If you borrow $5,000 at 8.45% annual percentage rate (APR) with a 36 month term, your minimum monthly payment obligation would be $157.72. Over the life of the loan you will pay $678.09 interest.

Home Improvement Loan Rates2

Current as of: 3/23/2019
Loan Program Term Annual Percentage Rate1 Cooperative Giveback Rate (As Low As) 3
Home Improvement Loan (Credit Score of 675+) 120 Months 7.25% APR ($0-$10,000) 7.10% APR ($0-$7,500)
Home Improvement Loan (Credit Score of 660-674) 120 Months 8.25% APR ($0-$10,000) 8.10% APR ($0-$7,500)
Home Improvement Plus Loan (Credit Score of 700+) 180 Months 7.50% APR ($7,501-$25,000) 7.35% APR ($7,501-$25,000)
1Home Improvement Loan Rates: Loan annual percentage rates (APR) based on member credit qualification and total loan amount. Rates are subject to change without notice. Home improvement loan has a minimum credit score of 660 and terms as long as 84 months. Home improvement plus loan has a minimum credit score of 700 and terms as long as 180 months.
2Home Improvement loan payment example for illustrative purposes only: If you borrow $7,500 at 7.25% annual percentage rate (APR) with a 7 year term, your minimum monthly payment obligation would be $114.11. Over the life of the loan you will pay $2,085.56 interest.
3Cooperative Loan Discount Rates: To qualify for Cooperative Loan Giveback discounts, you must have the following account relationships with Dupaco Community Credit Union:
Savings, Checking, Automatic Payment: .05% discount;
Savings, Checking, $1,500 or more in a savings or loan account, direct deposit, automatic payment: .10% discount;
Savings, Checking, $1,500 or more in a savings or loan account, direct deposit, automatic payment, Dupaco VISA card, and any one of the following: Certificate, IRA, Home Equity Line of Credit, or other loan: .15% discount.

 

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Comments (14)
Personal loan
Shonnie
 • 4 days 8 hrs 24 mins 42 secs ago
Hi I applied for a personal loan Thursday of last week and I haven't heard anything back yet.
 

Re: Personal loan
Dupaco Moderator
 • 1 day 5 hrs 16 mins 37 secs ago

Hi Shonnie, we'll have a lender reach out to you.

 

Personal loan
Shonnie
 • 4 days 8 hrs 24 mins 42 secs ago
Hi I applied for a personal loan Thursday of last week and I haven't heard anything back yet.
 

Re: Personal loan
Dupaco Moderator
 • 1 day 5 hrs 16 mins 37 secs ago

Hi Shonnie, we'll have a lender reach out to you.

 

Consolidation Loan
Alicia M
 • 143 days 3 hrs 31 mins 53 secs ago
Hi, I would like to see if i can consolidate my auto loan and credit card
 

Re: Consolidation Loan
Dupaco Moderator
 • 141 days 5 hrs 8 mins 52 secs ago

Hi Alicia, we'll have a lender contact you.

 

Loan Approvals
Lena C.
 • 164 days 5 hrs 35 mins 48 secs ago
Hi I have bad credit and need to take a loan out some type of loan out. But I'm afraid I can't because I wont have a cosigner for it due to the circumstances.
 

Re: Loan Approvals
Dupaco Moderator
 • 159 days 4 hrs 41 mins 30 secs ago

Hi Lena, we will have someone reach out to you.

 

Personal loan
Hannah
 • 184 days 10 hrs 17 mins 13 secs ago
Can I get someone to contact me about my options for a small personal loan for not so great credit
 

Re: Personal loan
Dupaco Moderator
 • 183 days 11 hrs 59 mins 49 secs ago

Hi Hannah, we'll have a lender reach out to you.

 

See comment
Adam W
 • 308 days 10 hrs 39 mins 48 secs ago
Hi, if I'm already paying off a small personal loan, can I still apply for another small loan?
 

Re: See comment
Dupaco Moderator
 • 306 days 11 hrs 52 mins 39 secs ago

Hi Adam, we will have a lender reach out to you.

 

More than one personal loan
amanda
 • 325 days 3 hrs 3 secs ago
If you are already paying off a small personal loan through dupaco, can you apply for another small personal loan or no?
 

Re: More than one personal loan
Dupaco Moderator
 • 324 days 5 hrs 47 mins 21 secs ago

Hi Amanda, we will have one of our lenders reach out to you. Thanks!

 

Loans
David C.
 • 634 days 7 hrs 51 mins 29 secs ago
A girl from your office came into my work. We talked about refinancing my home. She took all my info and said someone would call. No one has called and it has been almost 2 weeks.
 

Re: Loans
Dupaco Moderator
 • 634 days 5 hrs 36 mins 23 secs ago

Hi David, we'll have someone reach out to you. Thanks!

 

Loan approval?
Ricardo P
 • 682 days 8 hrs 28 mins 52 secs ago
I filled out an application for a loan and got an email saying I would be receiving a phone call from a representative. I haven't received anything. What does that mean and will I expect to get one still?
 

Re: Loan approval?
Dupaco Moderator
 • 680 days 8 hrs 39 mins 43 secs ago

Hi Ricardo, we'll have someone from our lending department give you a call. Thanks!

 

not a customer
Stephanie
 • 720 days 8 hrs 52 mins 30 secs ago
Hi I'm not a member of Dupaco but was wondering about a possible loan or some sort of help to pay off my old debt but I have really bad credit now because of the debt.
 

Re: not a customer
Dupaco Moderator
 • 719 days 10 hrs 50 mins 9 secs ago

Hi Stephanie, we'll have someone from our loan department reach out to you. Thanks!

 

skip a pay
megan
 • 864 days 9 hrs 44 mins 45 secs ago
do you offer skip a payment for people with loans for the holidays. and if so do you offer them to people that make there payments weekly?
 

Re: skip a pay
Dupaco Moderator
 • 864 days 4 hrs 47 mins 28 secs ago

Hi Megan, yes, Dupaco has a Skip a Pay program that is now called Pay Pause, but is the same program. If a member is eligible for Pay Pause, they will receive letter by mail, which mails Nov. 14, and they will also see a banner ad as well as a pop-up announcement in Shine Online Banking.

 

Personal loan
Nahkia
 • 1074 days 6 hrs 58 mins 18 secs ago
I'm interested in seeing if I qualify for a personal loan with Dupaco. I have had offers from other 3rd party lenders but I was advised to try Dupaco 1st as I heard you may be able to offer me something and it would be better thru you then a 3rd party. I did apply approx a week ago but never heard anything so wondering if maybe I don't qualify?
 

Re: Personal loan
Dupaco Moderator
 • 1073 days 9 hrs 10 mins 36 secs ago

Hi Nahkia, you can contact our Consumer Loan department anytime to follow up on the status of a loan that you applied for. 563-557-7600/800-373-7600, extension 202. Thanks!

 

Never had a loan
LaShaunna H
 • 1076 days 4 hrs 2 mins 58 secs ago
Hi I wanted to know how borrowing works. I have really bad credit so I'm afraid to take a loan out because I don't feel I'd be able to pay it back with the interest. I'm so confused and scared I'll hurt my credit more thank helpT
 

Re: Never had a loan
Dupaco Moderator
 • 1075 days 6 hrs 11 mins 14 secs ago

Hi LaShaunna, someone will be in touch with you shortly.

 

Loan approvals
RayRay
 • 1081 days 16 hrs 22 mins 8 secs ago
How long does someone have to a member of Dupaco to qualify for a loan?
 

Re: Loan approvals
Dupaco Moderator
 • 1081 days 12 hrs 36 mins 20 secs ago

Hi RayRay, a brand new member can apply for a loan the day they open an account with us. Qualification depends on your credit score, financial situation, and a few other factors that our lenders take into consideration.

 

Credit Coach
Ben
 • 1082 days 23 hrs 37 mins 19 secs ago
Live in Des Moines now and was wondering if I could apply/be approved for a credit coach loan online or over the phone?
 

Re: Credit Coach
Dupaco Moderator
 • 1082 days 10 hrs 34 mins 53 secs ago

Hi Ben, you can apply at the top of this page, or give our Consumer Loan department a call at 800-373-7600, extension 202.

 

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