Personal Loans

An unsecured personal loan requires no collateral. They can be used for just about anything! If you’re wanting to adopt a child, consolidate debt, or cover unexpected expenses, don’t forget that DFCU offers personal loans!


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  • Access to the full loan amount up front
  • Fixed rate, fixed term, and fixed monthly payments
  • Do your entire application online, start to finish
  • Serviced locally by Deseret First
  • No origination or prepayment fees



  • Interest rates are generally higher than a secured loan
  • Intended for borrowers with good credit
  • 10-day grace period
  • Loan amount is based on monthly income

Term APR
Personal Loans 24 Month Fixed Rate 7.80%
36 Month Fixed Rate 7.90%
48 Month Fixed Rate 8.90%
60 Month Fixed Rate 9.90%



For questions or to apply, call 801-456-7000 or 1-800-326-3328 weekdays: 8am-7pm, Sat: 9am-2pm or visit any Deseret First Branch
Membership and eligibility required. OAC. Terms and conditions apply.


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