{"id":1667,"date":"2023-02-01T17:05:52","date_gmt":"2023-02-01T17:05:52","guid":{"rendered":"https:\/\/www.lcfcu.org\/wph\/workarea\/loans\/personal\/personal-loan-2\/"},"modified":"2026-02-05T13:48:21","modified_gmt":"2026-02-05T13:48:21","slug":"personal-loan","status":"publish","type":"page","link":"https:\/\/www.lcfcu.org\/wph\/workarea\/loans\/personal\/personal-loan\/","title":{"rendered":"Personal Loan"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\"><br>Easy-to-Use Loans for Real-Life Needs &#8211; like the Holidays or a Vacation<br><\/h2>\n\n\n\n<p>There are plenty of innovative loan options to choose from when you\u2019re a member of Library of Congress FCU, from personal lifestyle loans to stretch pay and more.<\/p>\n\n\n\t\t\t<a  class='btn btn-1' href='https:\/\/www.lcfcu.org\/wph\/workarea\/resources\/applications-forms-2\/' target='_self' rel='noopener noreferrer'>Apply Now<\/a>\n\t\t\t\n\n\t\t\t<a  class='btn btn-1' href='https:\/\/www.lcfcu.org\/wph\/workarea\/resources\/rates\/rates\/' target='_self' rel='noopener noreferrer'>Rates<\/a>\n\t\t\t\n\n\n<p><br><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Borrow Money for Life\u2019s Moments<\/h2>\n\n\n\n<p>Our <strong>Personal Loans <\/strong>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\/school expenses, professional certifications and anything in between &#8211; our Personal Lifestyle Loan can help.<\/p>\n\n\n\n<p>With flexible terms and no collateral needed, it\u2019s easy to find financing that fits your budget when you need it.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Borrow up to $50,000*<\/li>\n\n\n\n<li>Competitive rates<\/li>\n\n\n\n<li>No annual fees<\/li>\n\n\n\n<li>No pre-payment penalties<\/li>\n\n\n\n<li>Terms up to 84 months<\/li>\n<\/ul>\n\n\n\n<p>Start your application now.<\/p>\n\n\n\t\t\t<a  class='btn btn-1' href='https:\/\/www.lcfcu.org\/wph\/workarea\/resources\/applications-forms-2\/' target='_self' rel='noopener noreferrer'>Apply Now<\/a>\n\t\t\t\n\n\n<p><br><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Stretch Pay Helps When There&#8217;s More Month Than Money<\/h2>\n\n\n\n<p>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.<\/p>\n\n\n\n<p>The application is fast and easy.<br>As long as you are current on your Library of Congress FCU loans, all you will need is:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Proof of income<\/li>\n\n\n\n<li>No current bankruptcies<\/li>\n\n\n\n<li>Credit union membership for at least 120 days<\/li>\n<\/ul>\n\n\n\n<p>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.<\/p>\n\n\n\n<p>Start your application now.<\/p>\n\n\n\t\t\t<a  class='btn btn-1' href='https:\/\/www.lcfcu.org\/wph\/workarea\/resources\/applications-forms-2\/' target='_self' rel='noopener noreferrer'>Apply Now<\/a>\n\t\t\t\n\n\t\t\t<div class=\"band band\">\n\t\t\t\t<div class=\"zone\">\n\t\t\t\t\t<div class=\"feature-wrap-callout-box\">\n\t\t\t\t\t\t<div class=\"feature\">\n\t\t\t\t\t\t\t<div class=\"feature-padding\">\n\t\t\t\t\t\t\t\t<div class=\"feature-content\">\n\t\t\t\t\t\t\t\t\t<div class=\"feature-content-wysiwyg\">\n\t\t\t\t\t\t\t\t\t\t\n\n<h2 class=\"wp-block-heading\"><em> <\/em>What Our Members Are Saying<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><em>&#8220;I consolidated loans from elsewhere and am now SAVING $300 a month. LCFCU was wonderful to work with, and the easiest loan process I\u2019ve ever experienced. I love LCFCU!\u201d<\/em><\/h3>\n\n\n\n<h3 class=\"wp-block-heading\"><em>M.D., member since 2019<\/em><\/h3>\n\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\n\n\n<h2 class=\"wp-block-heading\">Featured Products and Services<\/h2>\n\n\n\t\t\t<div class=\"band \">\n\t\t\t\t<div class=\"zone\">\n\t\t\t\t\t<div class=\"feature-wrap feature-wrap-standard-custom-block row row-3\">\n\t\t\t\t\t\t\n\t\t\t<div class=\"feature \">\n\t\t\t\t<div class=\"feature-padding\">\n\t\t\t\t\t\t\t\t      \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"feature-image\">\n\t\t\t\t\t\t\t\t\t<figure class=\"feature-image-inner cover-image img-1\">\n\t\t\t\t\t\t\t\t\t\t<img src='https:\/\/www.lcfcu.org\/wph\/workarea\/wp-content\/uploads\/2023\/01\/portraitimagelearn-more-about-member-priv-overdraft-copy.jpg' srcset='https:\/\/www.lcfcu.org\/wph\/workarea\/wp-content\/uploads\/2023\/01\/portraitimagelearn-more-about-member-priv-overdraft-copy.jpg 400w, https:\/\/www.lcfcu.org\/wph\/workarea\/wp-content\/uploads\/2023\/01\/portraitimagelearn-more-about-member-priv-overdraft-copy-300x300.jpg 300w, https:\/\/www.lcfcu.org\/wph\/workarea\/wp-content\/uploads\/2023\/01\/portraitimagelearn-more-about-member-priv-overdraft-copy-150x150.jpg 150w' sizes='(max-width: 400px) 100vw, 400px' \/>\n\t\t\t\t\t\t\t\t\t<\/figure>\n\t\t\t\t\t\t\t\t<\/div><!--feature-image-->\n\t\t\t\t\t\t\t\t\t\t      \t\t\t\t\t\t\t\t\t\t<div class=\"feature-content\">\n            \t\t\t\t\t\t \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"feature-content-text\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h2>Bookmark Your Budget with Skip-A-Payment<\/h2>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"feature-content-wysiwyg\">\n\t\t\t\t\t\t\t\t\t\t\n\n<p>Add some money to your month when you need it most.<\/p>\n\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div><!--feature-content-text-->\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"feature-cta\">\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.lcfcu.org\/loans\/skip-a-payment\/\" target=\"_self\">Read More<span class=\"fas fa-angle-right\" aria-label=\"caret\" role=\"img\"><\/span><\/a>\n\t\t\t\t\t\t\t<\/div><!--feature-cta-->\n\t\t\t\t\t\t\t\t\t\t\t<\/div><!--feature-content-->\n\t\t\t\t<\/div><!--feature-padding-->\n\t\t\t<\/div><!--feature-->\n\t\t\t\n\n\t\t\t<div class=\"feature \">\n\t\t\t\t<div class=\"feature-padding\">\n\t\t\t\t\t\t\t\t      \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"feature-image\">\n\t\t\t\t\t\t\t\t\t<figure class=\"feature-image-inner cover-image img-1\">\n\t\t\t\t\t\t\t\t\t\t<img src='https:\/\/www.lcfcu.org\/wph\/workarea\/wp-content\/uploads\/2023\/01\/portraitimageexplore-personal-line-of-credit.jpg' srcset='https:\/\/www.lcfcu.org\/wph\/workarea\/wp-content\/uploads\/2023\/01\/portraitimageexplore-personal-line-of-credit.jpg 400w, https:\/\/www.lcfcu.org\/wph\/workarea\/wp-content\/uploads\/2023\/01\/portraitimageexplore-personal-line-of-credit-300x300.jpg 300w, https:\/\/www.lcfcu.org\/wph\/workarea\/wp-content\/uploads\/2023\/01\/portraitimageexplore-personal-line-of-credit-150x150.jpg 150w' sizes='(max-width: 400px) 100vw, 400px' \/>\n\t\t\t\t\t\t\t\t\t<\/figure>\n\t\t\t\t\t\t\t\t<\/div><!--feature-image-->\n\t\t\t\t\t\t\t\t\t\t      \t\t\t\t\t\t\t\t\t\t<div class=\"feature-content\">\n            \t\t\t\t\t\t \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"feature-content-text\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h2>Save Some Money with Loan Discounts<\/h2>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"feature-content-wysiwyg\">\n\t\t\t\t\t\t\t\t\t\t\n\n<p>Learn how you can save money on your next vehicle, personal or FHA loan at Library of Congress FCU.<\/p>\n\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div><!--feature-content-text-->\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"feature-cta\">\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.lcfcu.org\/loan-discounts\" target=\"_self\">Read More<span class=\"fas fa-angle-right\" aria-label=\"caret\" role=\"img\"><\/span><\/a>\n\t\t\t\t\t\t\t<\/div><!--feature-cta-->\n\t\t\t\t\t\t\t\t\t\t\t<\/div><!--feature-content-->\n\t\t\t\t<\/div><!--feature-padding-->\n\t\t\t<\/div><!--feature-->\n\t\t\t\n\n\t\t\t<div class=\"feature \">\n\t\t\t\t<div class=\"feature-padding\">\n\t\t\t\t\t\t\t\t      \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"feature-image\">\n\t\t\t\t\t\t\t\t\t<figure class=\"feature-image-inner cover-image img-1\">\n\t\t\t\t\t\t\t\t\t\t<img src='https:\/\/www.lcfcu.org\/wph\/workarea\/wp-content\/uploads\/2023\/01\/portraitimageput-your-401k-to-workwith-bridgeloans.jpg' srcset='https:\/\/www.lcfcu.org\/wph\/workarea\/wp-content\/uploads\/2023\/01\/portraitimageput-your-401k-to-workwith-bridgeloans.jpg 400w, https:\/\/www.lcfcu.org\/wph\/workarea\/wp-content\/uploads\/2023\/01\/portraitimageput-your-401k-to-workwith-bridgeloans-300x300.jpg 300w, https:\/\/www.lcfcu.org\/wph\/workarea\/wp-content\/uploads\/2023\/01\/portraitimageput-your-401k-to-workwith-bridgeloans-150x150.jpg 150w' sizes='(max-width: 400px) 100vw, 400px' \/>\n\t\t\t\t\t\t\t\t\t<\/figure>\n\t\t\t\t\t\t\t\t<\/div><!--feature-image-->\n\t\t\t\t\t\t\t\t\t\t      \t\t\t\t\t\t\t\t\t\t<div class=\"feature-content\">\n            \t\t\t\t\t\t \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"feature-content-text\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h2>Put Your 401(k) to Work with a Distribution Bridge Loan<\/h2>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"feature-content-wysiwyg\">\n\t\t\t\t\t\t\t\t\t\t\n\n<p>Take a loan against your retirement savings with our 401(k) Distribution Bridge Loan.<\/p>\n\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div><!--feature-content-text-->\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"feature-cta\">\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.lcfcu.org\/wph\/workarea\/access\/contact-us\/\" target=\"_self\">Contact Us<span class=\"fas fa-angle-right\" aria-label=\"caret\" role=\"img\"><\/span><\/a>\n\t\t\t\t\t\t\t<\/div><!--feature-cta-->\n\t\t\t\t\t\t\t\t\t\t\t<\/div><!--feature-content-->\n\t\t\t\t<\/div><!--feature-padding-->\n\t\t\t<\/div><!--feature-->\n\t\t\t\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\n\n\n<h2 class=\"wp-block-heading\">Let&#8217;s Do the Math<\/h2>\n\n\n\t\t\t<div class=\"band  \">\n\t\t\t\t<div class=\"zone\">\n\t\t\t\t\t<div class=\"feature-wrap column feature-wrap-standard-custom-block row row-1 icons\">\n\t\t\t\t\t\t\n\t\t\t<div class=\"feature \">\n\t\t\t\t<div class=\"feature-padding\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"feature-content\">\n            \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"feature-content-image\">\n\t\t\t\t\t\t\t\t\t<figure class=\"feature-content-image-inner\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"fa fa fa-calculator\" aria-label=\"icon\" role=\"img\"><\/span>\n\t\t\t\t\t\t\t\t\t<\/figure>\n\t\t\t\t\t\t\t\t<\/div><!--feature-content-image-->\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"feature-content-text\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3>Discover How Much You Can Afford to Borrow<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"feature-content-wysiwyg\">\n\t\t\t\t\t\t\t\t\t\t\n\n<p>Our calculators help you estimate monthly payments, total interest, and more.<\/p>\n\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div><!--feature-content-text-->\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"feature-cta\">\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.lcfcu.org\/resources\/resources-2\/calculators\/\" target=\"_self\">Calculate<span class=\"fas fa-angle-right\" aria-label=\"caret\" role=\"img\"><\/span><\/a>\n\t\t\t\t\t\t\t<\/div><!--feature-cta-->\n\t\t\t\t\t\t\t\t\t\t\t<\/div><!--feature-content-->\n\t\t\t\t<\/div><!--feature-padding-->\n\t\t\t<\/div><!--feature-->\n\t\t\t\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\n\n\n<h2 class=\"wp-block-heading\"><strong> <\/strong><\/h2>\n\n\n\t\t\t<div class=\"disclaimer \">\n\t\t\t\t\n\n<p>*Loans subject to credit approval. Other restrictions may apply. Contact us for more details.<\/p>\n\n\n\n<p>**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.<\/p>\n\n\t\t\t<\/div>\n\t\t\t","protected":false},"excerpt":{"rendered":"Easy-to-Use Loans for Real-Life Needs &#8211; like the Holidays or a Vacation There are plenty of innovative loan options to choose from when you\u2019re a member of Library of Congress FCU, from personal lifestyle loans to stretch pay and more. Borrow Money for Life\u2019s Moments Our Personal Loans are your anything loan for whatever life [&hellip;]","protected":false},"author":3,"featured_media":443,"parent":35,"menu_order":3,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_lmt_disableupdate":"no","_lmt_disable":"","attr_subtitle":[],"attr_date":[],"attr_excerpt":[],"attr_secondary_image":[],"footnotes":""},"class_list":["post-1667","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Personal Loan - Library Of Congress FCU<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Personal Loan - Library Of Congress FCU\" \/>\n<meta property=\"og:description\" content=\"Easy-to-Use Loans for Real-Life Needs &#8211; like the Holidays or a Vacation There are plenty of innovative loan options to choose from when you\u2019re a member of Library of Congress FCU, from personal lifestyle loans to stretch pay and more. 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