not delete

Funds for all the things that make life fun.

Our lending options provide simple ways to make big purchases happen and to invest in life’s special moments. Learn what payment options work best for your budget and the repayment terms that fit your lifestyle. Our competitive loans are just like your aspirations—fully within reach.

Auto Loans (including ATVs & trailers)

Whether you’re buying new, gently used, or refinancing, DoverPhila Federal Credit Union is your one-stop vehicle shop for loans.

Accelerate the auto-buying process and enhance your purchasing power by applying for pre-approval. It’s simple, free, and puts you in the driver seat faster. 

  • No early payoff penalty
  • Finance up to 100% of NADA retail value for qualified buyers
  • GAP Insurance & Loan Protection
  • Home & Auto Insurance available
  • Various loan terms available
  • Discounted CARFAX Vehicle History Report™*

CARFAX Vehicle History Report™

DoverPhila provides exclusive savings on a CARFAX Vehicle History Report™* to protect members from salvage, total loss, structural damage, lemon, and flood vehicles.

Every CARFAX Vehicle History Report™* checks for:

TITLE PROBLEMS

  • Severe Accident
  • Lemon
  • Flooded
  • Odometer Problems

OWNERSHIP HISTORY

  • How Many Owners
  • High Mileage
  • Rental
  • Fleet Car

ACCIDENTS & SERVICE

  • Total Loss
  • Airbags Deployed
  • Structural Damage
  • Service Records

Our installment loan officers are happy to share a CARFAX Vehicle History Report™* with you. By clicking the banner below and submitting a request form for a CARFAX Vehicle History Report™*, you agree that DoverPhila Federal Credit Union can pull a CARFAX Vehicle History Report™* on your behalf and debit your DPFCU account for a charge of $25.00.

*CARFAX Vehicle History Reports are based on information supplied to CARFAX. CARFAX does not have the complete history of every vehicle. Subject to the terms and conditions on Carfax.com. By submitting a request form for a CARFAX Vehicle History Report™, you agree that DoverPhila Federal Credit Union can pull a CARFAX Vehicle History Report™ on your behalf and debit your DPFCU account for a charge of $25.00. You must be a member of DoverPhila Federal Credit Union to submit a request for a CARFAX Vehicle History Report™. Online account opening is available by clicking here.

Recreational Loans

      • Applicable for RVs (motor coach), campers, boats, snowmobiles, and lawn/farm equipment
      • Various loan terms available

Credit Cards

Consumer Credit Cards

Choosing the right credit card is easier than ever. Whether you want to pay down balances faster, maximize cash back, earn rewards or begin building your credit history, we have the ideal card for you!

No matter which card you choose, you’ll enjoy important features like:

      • Convenient and Flexible Purchasing Power. Accepted at millions of locations worldwide.
      • Mobile purchasing capability for added convenience.
      • Zero Fraud Liability
      • You won’t be liable for fraudulent purchases when your card is lost or stolen.
      • Cardmember Service available 24 hours a day/365 days per year.
      • Plus much more!

Elan Financial Services provides zero fraud liability for unauthorized transactions. Card holder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.

The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A Inc., and Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Download your Elan Credit Card apps here:

Business Credit Cards

Choose from our popular business credit card options such as low rate, cash back or flexible rewards to find the one that works best for your business.

No matter which card you choose, your business will benefit from important features like:

      • Free online expense reporting tools.
      • No fee for additional employee cards.
      • Mobile payment capability for added convenience.
      • Cardmember Service available 24 hours a day/365 days per year.

Elan Financial Services provides zero fraud liability for unauthorized transactions. Card holder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.

The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A Inc., and Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

VISA Logo
Verified by VISA

Personal Loans (Unsecured Loans)

      • Maximum amount based on your monthly gross income
      • No collateral is held as security
      • Various loan terms available

Share Covered Loan (Secured Loans)

      • Loans secured by a corresponding balance in a regular share or share certificate account
      • Various loan terms for regular share
      • Various loan terms for share certificate

Certificate Loans

      • Loans secured by a corresponding balance in a share certificate account only
      • Various loan terms for share certificate

Credit Builder Program

Build the credit you need for the life you want.

Credit is one of the most challenging elements of financial wellness and is necessary for multiple facets of life, not just borrowing money. Good credit can help secure employment and housing, lock in better insurance premiums, pay lower (or no) security deposits in some instances, and negotiate favorable terms on loan products to save hundreds, sometimes even thousands, of dollars over the life of a loan.

The Credit Builder Programwas designed to give all members an opportunity to succeed with credit. Whether the goal is to build or improve credit, members are given a secured financial product, a set term, a fixed rate, and a low monthly payment.

PROGRAM FEATURES:

  • $1,000 loan limit*
  • 12-month term**
  • Fixed rate of 5.00% APR***
  • Monthly payment of $85.62****
  • Repayment behaviors reported to credit bureaus.
  • Complete at least one financial guidance session with one of our certified financial counselors that covers either counseling, coaching, or educating*****.

Questions? Call or text 330-364-8874 and ask for our Installment Loan Department – or click the button below to schedule an appointment with a loan officer.

Image of DP Owl credit score egg hatching.
+A member must be in good standing and have either six months of membership or three months of membership with a direct deposit going into a DoverPhila account. Results not guaranteed. Improvement in credit is dependent on a member’s specific situation and financial behavior. Failure to make monthly minimum payments by the payment due date each month will result in negative reporting. Negative credit history will not be removed from credit report as a result of this program. There is a $35 processing fee for the Credit Builder Program. Program, rate, terms, and conditions are subject to change without notice.
*The $1,000 is the loan limit. A lower amount may be determined as a better option by the Financial Counselor. The borrowed funds are placed on hold in a special interest earning account until the loan is paid in full. When the loan is paid in full, a member may choose to leave the funds in the interest earning account or withdraw them to use as they wish, such as a down payment on a future loan or to pay off debt.
**Twelve months is the maximum term for the Credit Builder Program. 
***APR = Annual Percentage Rate. 
****The monthly payment listed is for a loan amount of $1,000 with a 5.00% APR and a 12-month term. A member can request to borrow less than $1,000 for a reduced monthly payment if the $85.62 does not fit their budget. 
*****Members are required to complete at least one financial guidance session with one of our certified financial counselors. The financial counselor provides a detailed credit analysis, and reviews and establishes a budget to ensure applicants have the best chance of succeeding in the Credit Builder Program. Members may be required to provide financial documentation prior to or during their counseling session. Counseling sessions are by appointment only and typically last one hour. The Credit Builder Program is not eligible for skip-a-pay.

Calculators

Customized calculators help our members see their financial future with the clarity they desire. From determining the cost of a mortgage or installment loan with different time intervals and rates, to calculating retirement savings, members gain the knowledge necessary to make informed financial decisions.  Click on the links below to view the corresponding calculator.

Calculators are provided as a courtesy through a third party. The credit union does not assume any fiduciary duty and cannot guarantee the accuracy of the calculators. Use of the loan calculators above is not a guarantee of credit. Click here or the button below for our loan calculator disclaimer.

Loan Payment Options

When making loan payments, members have a variety of options that best suit their needs and lifestyle. Mail it, stop in at a branch, use our electronic and mobile services, or establish automatic payments so there’s never a concern about missing a payment.

      • Payroll deduction
      • Automatic transfer
      • Smartphone app
      • Online banking with On Line-On Time® Home Banking
      • Online bill pay
      • U.S. mail
      • In person at a DoverPhila branch or ATM
      • Over-the-Phone Payment using a credit or debit card
      • Over the phone with our contact center using an existing DoverPhila account
      • Recurring ACH Origination
Image of DP Owl

Skip-A-Payment

The unexpected is part of life. When it happens, our Skip-a-Payment benefit affords members to defer a payment until the end of the loan. To be eligible, the member account must be in good standing with at least 12 months of payment on the loan and haven’t exceeded the number of skips permissible for the life of the loan. This benefit can be applied to auto, personal, share/certificate, and recreational loans. A $35 fee will be applied and all borrowers must sign for the benefit to take effect. Skipped payments process within 24 hours. All eligibility requirements apply.

Student Loan Refinancing

When student loans feel as big as or bigger than a mortgage or rent payment, you need options. Refinancing your student loans with DoverPhila streamlines your college debt to a single loan with flexible terms, a lower interest rate, and no origination fees, so you can pay off debt sooner and progress towards the future you want.

You already earned all your school credits; now take credit for making smart financial decisions and building a strong credit history—on your terms. To find out if you’re eligible, select the button below to visit our partner link or call toll-free 888-549-9050.

Image of DoverPhila's DP Owl with a thought bubble that has a graduation cap.

Auto Loans (including ATVs & trailers)

Whether you’re buying new, gently used, or refinancing, DoverPhila Federal Credit Union is your one-stop vehicle shop for loans.

Accelerate the auto-buying process and enhance your purchasing power by applying for pre-approval. It’s simple, free, and puts you in the driver seat faster. 

  • No early payoff penalty
  • Finance up to 100% of NADA retail value for qualified buyers
  • GAP Insurance & Loan Protection
  • Home & Auto Insurance available
  • Various loan terms available
  • Discounted CARFAX Vehicle History Report™*

CARFAX Vehicle History Report™

DoverPhila provides exclusive savings on a CARFAX Vehicle History Report™* to protect members from salvage, total loss, structural damage, lemon, and flood vehicles.

Every CARFAX Vehicle History Report™* checks for:

TITLE PROBLEMS

  • Severe Accident
  • Lemon
  • Flooded
  • Odometer Problems

OWNERSHIP HISTORY

  • How Many Owners
  • High Mileage
  • Rental
  • Fleet Car

ACCIDENTS & SERVICE

  • Total Loss
  • Airbags Deployed
  • Structural Damage
  • Service Records

Our installment loan officers are happy to share a CARFAX Vehicle History Report™* with you. By clicking the banner below and submitting a request form for a CARFAX Vehicle History Report™*, you agree that DoverPhila Federal Credit Union can pull a CARFAX Vehicle History Report™* on your behalf and debit your DPFCU account for a charge of $25.00.

*CARFAX Vehicle History Reports are based on information supplied to CARFAX. CARFAX does not have the complete history of every vehicle. Subject to the terms and conditions on Carfax.com. By submitting a request form for a CARFAX Vehicle History Report™, you agree that DoverPhila Federal Credit Union can pull a CARFAX Vehicle History Report™ on your behalf and debit your DPFCU account for a charge of $25.00. You must be a member of DoverPhila Federal Credit Union to submit a request for a CARFAX Vehicle History Report™. Online account opening is available by clicking here.

Recreational Loans

      • Applicable for RVs (motor coach), campers, boats, snowmobiles, and lawn/farm equipment
      • Various loan terms available

Credit Cards

Consumer Credit Cards

Choosing the right credit card is easier than ever. Whether you want to pay down balances faster, maximize cash back, earn rewards or begin building your credit history, we have the ideal card for you!

No matter which card you choose, you’ll enjoy important features like:

      • Convenient and Flexible Purchasing Power. Accepted at millions of locations worldwide.
      • Mobile purchasing capability for added convenience.
      • Zero Fraud Liability
      • You won’t be liable for fraudulent purchases when your card is lost or stolen.
      • Cardmember Service available 24 hours a day/365 days per year.
      • Plus much more!

Elan Financial Services provides zero fraud liability for unauthorized transactions. Card holder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.

The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A Inc., and Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Download your Elan Credit Card apps here:

Business Credit Cards

Choose from our popular business credit card options such as low rate, cash back or flexible rewards to find the one that works best for your business.

No matter which card you choose, your business will benefit from important features like:

      • Free online expense reporting tools.
      • No fee for additional employee cards.
      • Mobile payment capability for added convenience.
      • Cardmember Service available 24 hours a day/365 days per year.

Elan Financial Services provides zero fraud liability for unauthorized transactions. Card holder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.

The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A Inc., and Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

VISA Logo
Verified by VISA

Personal Loans (Unsecured Loans)

      • Maximum amount based on your monthly gross income
      • No collateral is held as security
      • Various loan terms available

Share Covered Loan (Secured Loans)

      • Loans secured by a corresponding balance in a regular share or share certificate account
      • Various loan terms for regular share
      • Various loan terms for share certificate

Certificate Loans

      • Loans secured by a corresponding balance in a share certificate account only
      • Various loan terms for share certificate

Credit Builder Program

Build the credit you need for the life you want.

Credit is one of the most challenging elements of financial wellness and is necessary for multiple facets of life, not just borrowing money. Good credit can help secure employment and housing, lock in better insurance premiums, pay lower (or no) security deposits in some instances, and negotiate favorable terms on loan products to save hundreds, sometimes even thousands, of dollars over the life of a loan.

The Credit Builder Programwas designed to give all members an opportunity to succeed with credit. Whether the goal is to build or improve credit, members are given a secured financial product, a set term, a fixed rate, and a low monthly payment.

PROGRAM FEATURES:

  • $1,000 loan limit*
  • 12-month term**
  • Fixed rate of 5.00% APR***
  • Monthly payment of $85.62****
  • Repayment behaviors reported to credit bureaus.
  • Complete at least one financial guidance session with one of our certified financial counselors that covers either counseling, coaching, or educating*****.

Questions? Call or text 330-364-8874 and ask for our Installment Loan Department – or click the button below to schedule an appointment with a loan officer.

Image of DP Owl credit score egg hatching.
+A member must be in good standing and have either six months of membership or three months of membership with a direct deposit going into a DoverPhila account. Results not guaranteed. Improvement in credit is dependent on a member’s specific situation and financial behavior. Failure to make monthly minimum payments by the payment due date each month will result in negative reporting. Negative credit history will not be removed from credit report as a result of this program. There is a $35 processing fee for the Credit Builder Program. Program, rate, terms, and conditions are subject to change without notice.
*The $1,000 is the loan limit. A lower amount may be determined as a better option by the Financial Counselor. The borrowed funds are placed on hold in a special interest earning account until the loan is paid in full. When the loan is paid in full, a member may choose to leave the funds in the interest earning account or withdraw them to use as they wish, such as a down payment on a future loan or to pay off debt.
**Twelve months is the maximum term for the Credit Builder Program. 
***APR = Annual Percentage Rate. 
****The monthly payment listed is for a loan amount of $1,000 with a 5.00% APR and a 12-month term. A member can request to borrow less than $1,000 for a reduced monthly payment if the $85.62 does not fit their budget. 
*****Members are required to complete at least one financial guidance session with one of our certified financial counselors. The financial counselor provides a detailed credit analysis, and reviews and establishes a budget to ensure applicants have the best chance of succeeding in the Credit Builder Program. Members may be required to provide financial documentation prior to or during their counseling session. Counseling sessions are by appointment only and typically last one hour. The Credit Builder Program is not eligible for skip-a-pay.

Apply For A Loan

Explore your loan options

Calculators

Customized calculators help our members see their financial future with the clarity they desire. From determining the cost of a mortgage or installment loan with different time intervals and rates, to calculating retirement savings, members gain the knowledge necessary to make informed financial decisions.  Click on the links below to view the corresponding calculator.

Calculators are provided as a courtesy through a third party. The credit union does not assume any fiduciary duty and cannot guarantee the accuracy of the calculators. Use of the loan calculators above is not a guarantee of credit. Click here or the button below for our loan calculator disclaimer.

Loan Payment Options

When making loan payments, members have a variety of options that best suit their needs and lifestyle. Mail it, stop in at a branch, use our electronic and mobile services, or establish automatic payments so there’s never a concern about missing a payment.

      • Payroll deduction
      • Automatic transfer
      • Smartphone app
      • Online banking with On Line-On Time® Home Banking
      • Online bill pay
      • U.S. mail
      • In person at a DoverPhila branch or ATM
      • Over-the-Phone Payment using a credit or debit card
      • Over the phone with our contact center using an existing DoverPhila account
      • Recurring ACH Origination
Image of DP Owl

Skip-A-Payment

The unexpected is part of life. When it happens, our Skip-a-Payment benefit affords members to defer a payment until the end of the loan. To be eligible, the member account must be in good standing with at least 12 months of payment on the loan and haven’t exceeded the number of skips permissible for the life of the loan. This benefit can be applied to auto, personal, share/certificate, and recreational loans. A $35 fee will be applied and all borrowers must sign for the benefit to take effect. Skipped payments process within 24 hours. All eligibility requirements apply.

Student Loan Refinancing

When student loans feel as big as or bigger than a mortgage or rent payment, you need options. Refinancing your student loans with DoverPhila streamlines your college debt to a single loan with flexible terms, a lower interest rate, and no origination fees, so you can pay off debt sooner and progress towards the future you want.

You already earned all your school credits; now take credit for making smart financial decisions and building a strong credit history—on your terms. To find out if you’re eligible, select the button below to visit our partner link or call toll-free 888-549-9050.

Image of DoverPhila's DP Owl with a thought bubble that has a graduation cap.
A SIMPLE $5 DEPOSIT IS ALL IT TAKES.

Holiday Closure: All DoverPhila locations will be closed Wednesday, June 19, for Juneteenth (a federal holiday).

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