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 / Loans / Personal / Line of Credit

 

Line of Credit

Delta Community’s Personal Line of Credit is an unsecured line of credit up to $20,000 that’s based on creditworthiness and ability to repay. You can use it for anything you’d like. It’s completely up to you.

What is it?

Not only is a Personal Line of Credit great for buying something you’ve had your eye on, it provides free overdraft protection for your Checking Account by automatically transferring money to your account if you ever need it. And, there’s no annual fee attached to it - yet another added bonus.

Once you have it, you’ll be able to access it easily through Audioline, Online Banking, by check, mail or at any Delta Community CU branch. For more information, see below for FAQs.

For Credit Calculators, click here.

Who is this product right for?

Someone who needs a
personal line of credit for…whatever!

 

TypeAPR
Personal Line of Credit9.25% to 17.00%

Who is this product right for?

Someone who needs a
personal line of credit for…whatever!

Loan Fees

Copy of Personal Line of Credit Check $3.00
Late Payment Fee $25.00 per month late
NSF for Returned Loan Payment, Personal Line of Credit Check or ACH $25.00
Pay by Phone Loan Payment Transfer $8.00
Stop Payment for Personal Line of Credit Check or ACH $25.00

Who is this product right for?

Someone who needs a
personal line of credit for…whatever!

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Ready to apply?

Simply apply online by logging into your Online Banking account, going to the Tools and Services menu and then choosing Apply for a Loan. You only have to apply once.

Or, if you’d like, you can call our 24-hour lending center at 800-544-3328 or apply at any of our Delta Community CU branches.

If you’re not yet a member, click here to sign up.

 

Who is this product right for?

Someone who needs a
personal line of credit for…whatever!

 

FAQs:

How can I increase my personal line of credit limit?
You can apply online by logging into your Online Banking account, going to the Tools and Services menu and then choosing Apply for a Loan. Or, you can call our 24-hour lending center at 800-544-3328 or visit one of our Delta Community CU branches to apply for the increase.

How can I lower my overdraft protection loan limit?
You will need to send a request online through the secure Message Center or you can mail your signed request to:

P.O. Box 20541 Atlanta, GA 30320-2541

You can also fax your signed request to:

404-677-4807
Attn: Loan Department

Is it possible to pay more than the scheduled payment due on my Personal Line of Credit every pay period?
Yes. To do this, you can either send a request online through our secure Message Center or fax your signed request to:

404-677-4807
Attn: Loan Department.

Please note: If you are set up for ACH payments, your scheduled amount will still show the required payment but the actual transfer amount will be just as you have requested. If your payments are set up as Auto Transfer, the payment due will show your requested amount.

Will my Visa ® Credit Card, Personal Line of Credit or Home Equity Line of Credit limits be decreased if I’m participating in the Member Assistance Program?
Possibly. Delta Community CU will notify you if there are any adjustments made to the limits on your existing loans.


Rates expressed as APR-Annual Percentage Rate. Availability of rates based on creditworthiness and other factors and are current as of the first day of the current month.

 

Important Notice: You are accessing a secure site with confidential information which is restricted to authorized persons only. Unauthorized access or use is not permitted and constitutes a crime punishable by law. Violators will be prosecuted to the fullest extent of the law.
1-800-544-3328