Personal Loans

When you need money quickly, DOY Personal Loans can help you pay for expected and unexpected expenses.  These loans can be obtained for any purpose.  Whether you are consolidating debt, taking a vacation, making home improvements, or purchasing a major appliance, DOY has a loan for you.  Contact DOY today, and we will help you find the right solution to fit your budget.

Personal Loans feature

  • Low, Fixed Interest Rates
  • Easy Application Process 
  • Fast Approvals
  • No Fees
  • Flexible Financing Terms & Conditions
  • No Pre-Payment Penalties
  • Membership requirement may apply.

Waiver Signature Loan

DOY'S Credit Builder Program

We get it, life happens.  But, that doesn't mean your can't have another chance at rebuilding a better financial future.  Our Waiver Signature Loan is designed to help you establish or improve your credit score.  This loan waives many of the requirements that normally would cause the loan to be rejected.  Once your limit is determined, incremental increase of $250 may be granted after the borrower has made three payments without any delinquencies and the borrower's credit check has remained the same or has improved since the loan was granted.  Even members who have filed bankruptcy and have not caused a loss to DOY, can apply six months after the bankruptcy has been discharged.  Once a member has successfully completed the program, they may then be eligible for other DOY loans.

  • Current interest rate is 12.99%
  • Loan amounts from $250 to $1,250
  • Loan term up to 18 months
  • Collateral requirement of 10% of the outstanding loan balance (with a minimum of $50) must be on deposit.

All loans subject to approval.  Rates, terms, and conditions apply.



    Share Secured Loan

    A Share Secured Loan is an easy & inexpensive way to obtain  the financing you need.  This type of loan has  a low rate because it uses your Share Account as collateral.  It is great alternative for when you find it easier to pay back a loan than it is to pay back yourself or if you need to establish or re-establish credit.

    • Use your Share Account as collateral.
    • Borrow up to 100% of your Share Account balance.
    • You continue to earn interest on your savings while borrowing at a low rate.
    • For the duration of the loan, your Share balance must be equal to at least the outstanding loan balance.
    • No credit check is required so approval is virtually automatic.
    • Current interest rate is 2.45%
    • Term is dependent on the amount borrowed.

    Club Signature Loan

    Members who participate in DOY's Christmas Club or Vacation Club Savings programs may be eligible for a special Club Signature Loan.  These loans can be used to budget for the holidays or to finance your dream vacation.

    • Interest rates as low as 3.99%
    • Loan amounts from $800 to $5,000
    • Terms as long as 36 months
    • Collateral requirement of 10% of the outstanding loan balance (with a minimum of $50) must be on deposit.
    • Must participate in the Christmas Club or Vacation Club 

    Credit Card Signature Loan

    This loan will payoff or reduce the amount you owe on an existing credit card. As you pay down the loan, you can refinance your Credit Card Signature Loan, at your existing rate, to payoff more of your credit card debt.  Once you are in the program, as long as your total credit card debt has not increased, your rate stays the same each time you refinance no matter how high rates go.

    • Current interest rate is 6.49%.
    • Loan amounts up to $10,000.00
    • Loan term 6 to 36 months
    • Collateral requirement of 10% of the outstanding loan balance (with a minimum of $50) must be on deposit.
    • Membership requirement applies.

    Big Borrower or Loyalty Loan

    DOY's Big Borrower Loan and Loyalty Signature Loan programs are for those Member's who have had a previous secured loan with DOY that had an initial balance of $5,000 or more.  These loans were devised to reward Members who use DOY for their major financing needs and have outstanding credit.

    • Current rate as low as 1.99%
    • Loan amounts up to $20,000
    • Loan duration 3 to 60 months

    Regular Signature 

    A Regular Signature loan is ideal for the Member who needs a small, short-term loan.  

    • Current rate is 9.99%.
    • Loan amounts up to $2,000
    • Loan term 3 to 18 months
    • Collateral requirement of 10% of the outstanding loan balance (with a minimum of $50) must be on deposit.
    • 6 months or 1 year membership requirement depending on loan amount.

    Priority Signature 

    A Priority Signature Loan is suited for the Member who needs a higher loan amount and a longer term.

    • Current rate is 6.49%.
    • Loan amounts up to $5,000
    • Loan term 3 to 30 months
    • Collateral requirement of 10% of the outstanding loan balance (with a minimum of $50) must be on deposit.
    • Membership requirement applies.

    Extended Signature

    An Extended Signature Loan is tailored to the Member that has a higher debt-to-income ratio.

    • Current interest rate is 8.49%.
    • Loan amounts up to $5,000
    • Loan term 3 to 42 months
    • Collateral requirement of 10% of the outstanding loan balance (with a minimum of $50) must be on deposit.
    • Membership requirement applies.