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Easy-to-Use Loans for Real-Life Needs
There are plenty of innovative loan options to choose from when you’re a member of Library of Congress FCU, from personal lifestyle loans to stretch pay and more.
Apply Now RatesBorrow Money for Life’s Moments
Our Personal Lifestyle Loans are your anything loan for whatever life throws your way. From unexpected repairs and uninsured medical procedures such as orthodontics or elective surgeries, to debt consolidation, college expenses and anything in between – our Personal Lifestyle Loan can help.
With flexible terms and no collateral needed, it’s easy to find financing that fits your budget when you need it.
- Borrow up to $50,000*
- Competitive rates
- No annual fees
- No pre-payment penalties
- Terms up to 84 months
Start your application now.
Apply NowStretch Pay Helps When There’s More Month Than Money
This payday advance comes with an affordable rate, easy application, and the chance to borrow up to $500 per payday**. Your first Stretch Pay Loan maximum is $250 to be repaid in 30 days.
The application is fast and easy.
As long as you are current on your Library of Congress FCU loans, all you will need is:
- Proof of income
- No current bankruptcies
- Credit union membership for at least 120 days
Unlike payday lenders that charge upwards of 400%*, our rates are 18% APR with a $35 annual fee for a $250 loan and $70 for a $500 loan.
Start your application now.
Apply NowWhat Our Members Are Saying
“I consolidated loans from elsewhere and am now SAVING $300 a month. LCFCU was wonderful to work with, and the easiest loan process I’ve ever experienced. I love LCFCU!”
M.D., member since 2019
Featured Products and Services
Bookmark Your Budget with Skip-A-Payment
Add some money to your month when you need it most.
Save Some Money with Loan Discounts
Learn how you can save money on your next vehicle, personal or FHA loan at Library of Congress FCU.
Put Your 401(k) to Work with a Distribution Bridge Loan
Take a loan against your retirement savings with our 401(k) Distribution Bridge Loan.
Let’s Do the Math
Discover How Much You Can Afford to Borrow
Our calculators help you estimate monthly payments, total interest, and more.
*Loans subject to credit approval. Other restrictions may apply. Contact us for more details.
**Library of Congress FCU 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.