Loans for personal and household use.

It’s hard to breathe easy about your finances when you just tightened your belt, isn’t it? Well, relax. With our variety of loans, we can help you avoid the between paychecks “pinch” we all sometimes feel, and we do it much more economically!

Personal Loan Rates

Lifestyle Signature Loan

Loans for anything you need. From furniture to school supplies, we want to help you succeed.

Fixed APR
(as low as)

8.99%

Holiday Loan

Enjoy every holiday season. This unsecured loan can be used for many purposes.

Fixed APR
(as low as)

7.49%

Share Secured Loan

Borrow funds while using your share savings account as collateral. You’ll continue to earn dividends while paying a minimal interest rate on this secured loan.

Variable APR*

4.50%

(Prime + 1%)

Certificate Secured Loan

Borrow funds while using your share certificate as collateral. You’ll continue to earn dividends while paying a minimal interest rate on this secured loan.

Fixed APR
(as low as)

4.00%

+ Paid Certificate Rate

Stretchpay Loan

This loan is designed for established members* who need a small dollar loan to carry them over until receiving that next regularly scheduled income check.

Annual Participation Fee*
$35 or $70

Initial Credit Limit*
$250 or $500

Repayment Term
30 Days

Advances must be paid in full prior to new/additional advances.

Stretchpay Revolving Loan**

Fixed APR
(as low as)

18.00%

Checkline Revolving Loan

Fixed APR
(as low as)

16.00%

+ Paid Certificate Rate

*Additional Details for Personal Loans

Holiday Loan
Must be a Day Air member in good standing for a minimum of 120 days with no derogatory checking account history/activity during the past 12 months. Member must be in good standing at the time the loan is applied for and each time an advance is made. Member must be employed by the same employer for a 6-month period, or be receiving verifiable fixed income, must provide proof of income, and time on job at the time of application. Members must have at least 12 months of productive use of the $250 credit line before being considered for the higher line of $500. We also require 10% of the limit be taken from the initial advance and placed in a pledged savings account. The $35 or $70 annual participation fee is to be paid with the first advance each year.

^APR = Annual Percentage Rate. All loans subject to approval. Limited time offer. Maximum loan amount is $2,500, approximate pay periods of 12 months or less. Rates are varied based on credit score and payment method. Rates subject to change.

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