A personal loan is a type of loan that is usually secured only by your creditworthiness. This is different than a car loan, for example, where the value of the car provides security for the loan. The vehicle loan’s rate is lower because the risk is lower.
However, there may be times when you need to borrow money and don’t have anything to provide as security. This may include:
Debt consolidation from higher-rate loans such as a “Payday Lender”
Unexpected expenses such as a vehicle repair
Other options to consider include Secured Loans or a low rate DCCU credit card.
A Share/Certificate-Secured Loan my be a good idea if you’re looking to build your credit or you need to make a necessary purchase and don’t want to take from your savings. With a Share/Certificate-Secured Loan you choose which of your accounts you’d like to borrow against (Share Savings, Club Accounts, Money Market, or Certificate) and receive a low-rate loan, while still earning interest on your financial resources on deposit.
Your loan term on a Share/Certificate-Secured Loan depends on which account you specify to use:
Share Savings, Club Accounts, and Money Market – maximum 60-month term
Certificates – term cannot exceed the certificate maturity date
$(document).ready(function() {
$('#lhnContainerDone').hide(); //hides the link by default
var d = new Date(); //gets the current date time
var n = d.getDay(); //determines day of the week ... 0=Sun, 1=Mon...
if (n >= 1 && n <= 4)
{ //checks if it is Monday through thursday
var startt = new Date(); //creates a start date
startt.setHours(09); //sets start date hour to 9
startt.setMinutes(0); // sets start minutes to 00
var endt = new Date(); //creates end date
endt.setHours(17); //sets end date time to 5 PM
endt.setMinutes(30); //sets end date minutes to 5:30 PM
if (d >= startt && d <= endt) //checks to see if the current date/time is between the start and end date
$('#lhnContainerDone').show(); //shows the link if it is true
}
else if (n == 5) // day is friday
{
var startt = new Date(); //creates a start date
startt.setHours(09); //sets start date hour to 9
startt.setMinutes(0); // sets start minutes to 00
var endt = new Date(); //creates end date
endt.setHours(18); //sets end date time to 6 PM
endt.setMinutes(00); //sets end date minutes 00
if (d >= startt && d <= end) //checks to see if the current date/time is between the start and end date
$('#lhnContainerDone').show(); //shows the link if it is true
}
else
{
$('#lhnContainerDone').hide(); //hides the link if false
}
});
help desk software
