Personal & Other Loans


If cash is tight and payday is too far away, turn to DOLFCU! We’re here to help you with our short-term loan called StretchPay. It’s easy to qualify* and can help you save money by avoiding the high rates and fees of payday lenders or check cashing outlets. Request your StretchPay Loan today to start taking advantage of the following benefits:

  • Easy to qualify*
  • Low 18% APR** – saving you money compared with the high rates and fees of payday lenders or check cashing outlets
  • Small annual enrollment fee!
    • $35 for a $350 loan limit, or
    • $70 for a $500 loan limit, or
    • $100 for a $750 loan limit
  • Borrow as often as you want up to your loan limit***! No additional fees, paperwork or hassle!
  • Can help build strong credit

Certain restrictions apply. *To qualify, you must be a member of DOLFCU for at least 120 days, have direct deposit of income, have no delinquent DOLFCU accounts, and not be in the process of filing for bankruptcy. **APR=Annual Percentage Rate. Finance charges on a 30-day $500 StretchPay loan are $7.40. Loan fee for commercial payday lender charging $15 per $100 borrowed is $150 for $500 borrowed over two 14-day terms. ***Advances must be paid in full prior to additional advances. Other conditions apply.

Share Secured Loans

If you’re looking to build credit or just want to leave your savings untouched, a share secured loan may be the right solution.

DOLFCU Share Secured Loans are 100% secured by your Share Savings or Money Market Accounts. You continue to earn dividends on your savings and still get cash on hand to use as you choose. Apply online today to get the lowest rate** loan possible!

* Rate(s) = Annual Percentage Rate

Personal/Signature Loans

When you need extra cash-for holidays, vacations, bill consolidation, home furnishings or repairs, tuition, medical and more-DOLFCU provides:

  • Up to 60-month terms
  • Loans from $500 up to $25,000
  • Competitive Fixed Rates*
  • Use our Loan Calculator to estimate your payments.

* Rate(s) = Annual Percentage Rate. Payment Example: A loan in the amount of $10,000, repaid over 60 months at 7.75% APR would require 60 monthly payments of $201.57.

Apply online today!

Overdraft Protection

Protect your checking account and have extra cash for emergencies. Credit limits of $500 to $25,000 are available to qualified applicants and are offered at our low variable rates.

Apply online today!

Holiday Loan

Cover extra expenses or increase your gift-giving budget at an affordable fixed-rate. This holiday season, take advantage of our $1,200, 12% APR*, 12-month term Holiday Loan. Repay quickly with 12 equal monthly payments. Apply online today!

*APR = Annual Percentage Rate. APR varies based on your credit score. Restrictions may apply. Payment Example: A holiday loan in the amount of $1,200, repaid over 12 months at 12% APR would equal 26 bi-weekly payments of $49.08.

Skip-a-Loan Payment

Need a little extra cash in your pocket this holiday season?

DOLFCU’s Annual Skip-a-Loan Payment Holiday Promotion is BACK! Qualified members may opt to skip one monthly or two biweekly loan payments during November, December or January, and use the skipped payment for a little extra cash this holiday season!

There is a $25 Skip-a-Loan Payment Fee for each loan. The $25 collected is DONATED to the Children’s Miracle Network to benefit local children’s hospitals and help sick children and their families!

Members can request to Skip-a-Loan Payment by completing the form and bringing it to our FPB Main or BLS Branches; mailing to PO Box 51, Merrifield, VA 22116; or faxing to 202.408.8253.

Don’t want to SKIP-A-LOAN Payment, but still want to help? Simply complete the form, selecting the second option.