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Funds for all the things that make life fun.

Our lending options provide clear ways in which to access those big purchases and special moments in life. Auto loans, recreation loans, and personal loans are accessible at competitive rates. Figure out what you can afford, the payment terms that work best for you, and what to do if you need to skip-a-payment. Our personal loans are just like your aspirations – fully within reach.

  • Auto loans image linked to content Auto Loans
  • Recreational loans image linked to content Recreational Loans
  • Credit cards image linked to content Credit Cards
  • Loans image linked to content Personal Loans
  • Share covered loan image linked to content Share Covered Loan
  • Certificate loans image linked to content Certificate Loans

Auto Loans (including ATVs & trailers)

      • 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

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
  • Apply for a loan image linked to content Apply For A Loan
  • Calculators image linked to content Calculators
  • Loan payment options image linked to content Loan Payment Options
  • Skip a payment image linked to content Skip-A-Payment
  • Student loan refinancing image linked to content Student Loan Refinancing

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.

Use of the loan calculators above is not a guarantee of credit. Click here 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

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 can feel as big as or bigger than a mortgage or rent payment, you need options. Refinancing your student loans with DoverPhila gives you the options you desire so you can progress toward the future you want. Streamline your college debt in a single loan with flexible terms, a lower interest rate, and no origination fees. 

Also, you can borrow only what you need and release your consigner after 12 months. You’ve already earned all of your school credits, now take credit for making the smart financial decision and building a strong credit history – on your terms. 

To find out if you’re eligible, visit our partner link or call toll-free 888-549-9050

 

Not-For-Profit

As a not-for-profit credit union, we appreciate the unique governing structure of not-for-profits, their need to keep expenses in check, and desire to show results for the programming.

For that reason our not-for-profit checking account offers all of the great features and benefits of our business checking account, but without the monthly service charges (waived for qualified 501c3 not-for-profit organizations). 

Features of our Not-For-Profit Checking include:

      • No minimum balance
      • No monthly service charges
      • Free overdraft protection from your savings account
      • Unlimited check writing
      • Online banking
      • Mobile banking
      • Digital check images through online banking
      • eAlerts
      • ATM/Debit card access

While your first order of checks needs to be made through a DoverPhila branch location, you can reorder checks quickly and easily online.

  • Auto Loans
  • Recreational Loans

Auto Loans (including ATVs & trailers)

      • 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

Recreational Loans

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

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
  • Certificate Loans

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
  • Apply For A Loan
  • Calculators

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.

Use of the loan calculators above is not a guarantee of credit. Click here for our loan calculator disclaimer.

  • Loan Payment Options
  • Skip-A-Payment

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

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 image linked to content Student Loan Refinancing

Student Loan Refinancing

When student loans can feel as big as or bigger than a mortgage or rent payment, you need options. Refinancing your student loans with DoverPhila gives you the options you desire so you can progress toward the future you want. Streamline your college debt in a single loan with flexible terms, a lower interest rate, and no origination fees. 

Also, you can borrow only what you need and release your consigner after 12 months. You’ve already earned all of your school credits, now take credit for making the smart financial decision and building a strong credit history – on your terms. 

To find out if you’re eligible, visit our partner link or call toll-free 888-549-9050

 

A SIMPLE $5 DEPOSIT IS ALL IT TAKES.
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