Signature Loans


Collateral-free loans for members

Unsecured Personal Loans

Wait. Unsecured? Does that mean this is more risky? No, not for you as a borrower! It just means there’s no physical assets involved, in contrast to a home or car loan. Like a credit card, you can use a signature loan for nearly anything you need.

  • wedding expenses
  • consolidate debt
  • take a family vacation
  • cover unexpected expenses
Go Collateral-Free
Signature Loan Rates
Loan TermRateAPR
24-Month Fixed-Rate7.80%7.80%
36-Month Fixed-Rate7.90%7.90%
48-Month Fixed-Rate8.90%8.90%
60-Month Fixed-Rate9.90%9.90%

*APR = Annual Percentage Rate. The annual percentage rates (APRs) listed above represent our best available rates. Your individual rate may be higher depending upon your creditworthiness. Offer subject to change. OAC. Find additional products and rates listed here.

Extra Loan Benefits


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Upfront access to your full loan amount

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No origination or pre-payment fees

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Fixed rates, terms, & payments

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More about Signature Loans

Signature loans are similarly known as “good-faith” or character loans. It’s a more accredited IOU. We at Deseret First intended and designed this personal loan for those with good credit. To sum up, we trust you so we made this product to help you! Because you don’t have to pledge any collateral for this loan, the interest rate is higher. There is also a 10-day grace period on the monthly payments because once again we’re here for you.

  • 10-day grace period for payment due date
  • Local banking & service by DFCU
Start Application

Loan Requirements


To qualify, you’ll need:

Apply online today! For questions or to apply directly with a representative, call 801-456-7590 or 800-326-3328. Available weekdays: 8am-7pm, Sat: 9am-2pm. Additionally, you may visit any Deseret First Branch.

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As your community— we’ve got your back when you need it.

Start Application