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: 2/22/2019
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: 2/22/2019
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 (13)
Consolidation Loan
Alicia M
 • 113 days 17 hrs 5 mins 13 secs ago
Hi, I would like to see if i can consolidate my auto loan and credit card
 

Re: Consolidation Loan
Dupaco Moderator
 • 111 days 18 hrs 42 mins 12 secs ago

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

 

Consolidation Loan
Alicia M
 • 113 days 17 hrs 5 mins 13 secs ago
Hi, I would like to see if i can consolidate my auto loan and credit card
 

Re: Consolidation Loan
Dupaco Moderator
 • 111 days 18 hrs 42 mins 12 secs ago

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

 

Loan Approvals
Lena C.
 • 134 days 19 hrs 9 mins 8 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
 • 129 days 18 hrs 14 mins 50 secs ago

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

 

Personal loan
Hannah
 • 154 days 23 hrs 50 mins 33 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
 • 154 days 1 hr 33 mins 9 secs ago

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

 

See comment
Adam W
 • 279 days 13 mins 8 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
 • 277 days 1 hr 25 mins 59 secs ago

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

 

More than one personal loan
amanda
 • 295 days 16 hrs 33 mins 23 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
 • 294 days 19 hrs 20 mins 41 secs ago

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

 

Loans
David C.
 • 604 days 21 hrs 24 mins 49 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
 • 604 days 19 hrs 9 mins 43 secs ago

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

 

Loan approval?
Ricardo P
 • 652 days 22 hrs 2 mins 12 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
 • 650 days 22 hrs 13 mins 3 secs ago

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

 

not a customer
Stephanie
 • 690 days 22 hrs 25 mins 50 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
 • 690 days 23 mins 29 secs ago

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

 

skip a pay
megan
 • 834 days 23 hrs 18 mins 5 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
 • 834 days 18 hrs 20 mins 48 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
 • 1044 days 20 hrs 31 mins 38 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
 • 1043 days 22 hrs 43 mins 56 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
 • 1046 days 17 hrs 36 mins 18 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
 • 1045 days 19 hrs 44 mins 34 secs ago

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

 

Loan approvals
RayRay
 • 1052 days 5 hrs 55 mins 28 secs ago
How long does someone have to a member of Dupaco to qualify for a loan?
 

Re: Loan approvals
Dupaco Moderator
 • 1052 days 2 hrs 9 mins 40 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
 • 1053 days 13 hrs 10 mins 39 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
 • 1053 days 8 mins 13 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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