Information and Alerts

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
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Signature Loan Rates
Loan TermRateAPR
24-Month Fixed-Rate12.14%12.14%
36-Month Fixed-Rate12.24%12.24%
48-Month Fixed-Rate12.49%12.49%
60-Month Fixed-Rate12.99%12.99%
*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

Long-Term Care
Upfront access to your full loan amount
No annual Fees
No origination or pre-payment fees
Term Lengths
Fixed rates, terms, & payments
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More about Signature Loans

Signature loans, also known as “good-faith” or character loans, function as trusted IOUs. At Deseret First, we designed these loans to meet your needs. You receive the loan proceeds in one lump sum with no collateral required. Additionally, we provide a 10-day grace period on monthly payments, ensuring your experience with us is as supportive as possible.
  • 10-day grace period for payment due date
  • Local banking & service by DFCU
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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-6pm, Sat: 9am-2pm. Additionally, you may visit any Deseret First Branch.
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We’ve got your back
when you need it.

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