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Digital Federal Credit Union (DCU) provides individual loans with no credit history minimum—making it an option that is good borrowers with low to normal credit who be eligible for a membership. To be a part, you have to be pertaining to a DCU member, element of an organization that is eligible business, or are now living in certain specific areas of Massachusetts and Georgia. Approval usually takes as low as 1 day but DCU performs a difficult credit check upon receiving a software, therefore we recommend looking around for other signature loans with pre-qualification and soft credit checks before applying, particularly if you have good credit history. If you are unsatisfied with all the other offers, DCU remains an aggressive option with comparable prices, no origination fee with no prepayment penalty.