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Library of Congress Federal Credit Union: Better BANKING for Less.

ROUTING NO. 254074837

CALL 202.707.5852 OR 800.325.2328

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LCFCU Better Deal than a Dealer Loan

"We bought a new car and saved $200 per month in payments instead of going with the dealer loan and we saved time by doing all online."

D.B., Member Since 1972

Lifestyle Loans, Personal Loans & Stretch Pay Loans

Loan discounts

Affordable Loans to Manage Expenses


Lifestyle Loans - for ANY reason, like the HOLIDAYS!

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checklist to saving


Life happens and we offer an affordable way to help, without derailing your financial future. Turn to LCFCU's Lifestyle Loans any reason:

  • Adoption Services
  • Air fare
  • Any emergency
  • Auto Repairs
  • Band Instruments
  • Cosmetic Surgery
  • Debt Consolidations
  • Dentistry/Orthodontics
  • Education
  • Electrolysis
  • Fertility Treatments
  • Funerals
  • Furloughs / Government Shutdowns
  • Golf Carts
  • Hair Restoration
  • Hearing Aids
  • Heating/AC
  • Help out a family member
  • Holiday Expenses
  • Home Improvements
  • Honeymoon
  • Investments
  • Jewelry
  • Landscaping
  • Medical costs not covered by insurance
  • Moving Expenses
  • New born
  • Pools/Spas
  • Religious Retreats
  • Taxes
  • Tornado Shelters
  • Vacations
  • Veterinary Care
  • Vision Care (LASIK)
  • Weddings

Borrow exactly what you need when it's needed, with the terms that fit your budget and your time frame. The amount borrowed can be used for any reason.


Personal (Signature) Loan, Borrow up to $50,000 With No Collateral

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LCFCU signature loans provide a fast and easy loan process to help members handle personal emergencies; pay for uninsured medical procedures such as dental implants, Lasik surgery, and elective procedures; make home improvements; fund major car repairs; or make a dream come true.

  • Borrow up to $50,000
  • No collateral required
  • Flexible repayment terms up to 60 months
  • Competitive rates
  • No annual fee
  • Simple interest financing with no prepayment penalties
  • Calculate your loan amount with our Loan Calculator


StretchPay Loan - Don't Fall Victim to Predatory Lenders

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It can happen to anyone - an emergency expense due before payday. LCFCU's Stretch Pay Loan is a payday advance with an affordable rate.

StretchPay loan costs include:

  • A $35 annual fee for a $250 loan
  • A $70 annual fee for a $500 loan.
  • Finance charge of 18% APR simple interest; storefront payday lenders charge combined fees and interest close to 400%

Fast and easy application process requires:

  • Presenting proof of income,
  • Current on all loans with LCFCU
  • Not in the process of filing for bankruptcy
  • LCFCU member for a minimum of 120 days
  • First StretchPay Loan maximum is $250 repaid in 30 days
  • A year after the first loan members may borrow $500* and re-borrow for 30-day periods as many times as necessary during the year with no additional fees or paperwork

To apply contact our loan department at (202) 707-5852 or apply online. (Note, when applying online, choose "other" in the "Property and Loan Info" drop down menu.)

* LCFCU Finance charges on a 30-day $500 StretchPay loan are $7.40. Loan fee at a commercial payday lender charging $15 per $100 borrowed, is $150 for $500 borrowed over two 14-day terms.

  • check out our RATES
  • apply for a LOAN
  • find convenient ATMs & BRANCHES
  • words from our MEMBERS
  • member SECURITY education


Library of Congress Federal Credit Union is committed to providing a website that is accessible to the widest possible audience in accordance with ADA standards and guidelines. We are actively working to increase accessibility and usability of our website to everyone. If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us at 202.707.5852 or 1.800.32.LCFCU (52328). All products and services available on this website are available at all Library of Congress Federal Credit Union branches.