Information and Alerts

Signature Loans

Collateral-free loans for members

Unsecured Personal Loans

Wait. Unsecured? Does that mean this is more risky? No, not for you as a borrower! It just means there’s no physical assets involved, in contrast to a home or car loan. Like a credit card, you can use a signature loan for nearly anything you need.
  • wedding expenses
  • consolidate debt
  • take a family vacation
  • cover unexpected expenses
Apply Now
Signature Loan Rates
Loan TermRateAPR
24-Month Fixed-Rate10.89%10.89%
36-Month Fixed-Rate10.99%10.99%
48-Month Fixed-Rate11.49%11.49%
60-Month Fixed-Rate12.49%12.49%
*APR = Annual Percentage Rate. The annual percentage rates (APRs) listed above represent our best available rates. Your individual rate may be higher depending upon your creditworthiness. Offer subject to change. OAC. Find additional products and rates listed here.

Extra Loan Benefits

Long-Term Care
Upfront access to your full loan amount
No annual Fees
No origination or pre-payment fees
Term Lengths
Fixed rates, terms, & payments
father carrying two daughters as he walks after his son through field of flowers

More about Signature Loans

Signature loans are similarly known as “good-faith” or character loans. It’s a more accredited IOU. We at Deseret First intended and designed this personal loan for those with good credit. To sum up, we trust you so we made this product to help you! Because you don’t have to pledge any collateral for this loan, the interest rate is higher. There is also a 10-day grace period on the monthly payments because once again we’re here for you.
  • 10-day grace period for payment due date
  • Local banking & service by DFCU
Start Application

Loan Requirements

To qualify, you’ll need:

Apply online today! For questions or to apply directly with a representative, call 801-456-7590 or 800-326-3328. Available weekdays: 8am-7pm, Sat: 9am-2pm. Additionally, you may visit any Deseret First Branch.
Start Application
woman on balcony, checking her mobile phone, laughing and smiling

We’ve got your back
when you need it.

Start Application