Other Loans

VIP Revolving Line of Credit

A credit loan amount that is available 24/7 through CUOnline. Convenient and easily accessible should you need the money now or in the near future.

Student Choice Lending

A Better Way to Pay for College! With tuition and fees on the rise and federal aid limits remaining relatively low, you may need some help filling the gap.

Lifestyle Loans

Life Style Loans finance a medical procedure or elective surgery that is not covered by insurance.

Ability Loan

The Ability Loan program is available to members with disabilities and parents or guardians of persons with disabilities for equipment

VIP Revolving Line of Credit

The VIP Revolving Line of Credit is a loan that is available to qualifying members who want the convenience of having 24/7 access to their funds.   Whether you need the money now, or are planning a major purchase in the future, such as; a wedding, new furniture or carpeting, this is the right loan product for you.  Minimum qualifying line of credit amount is $5000.   Minimum loan draws of $500 with a low interest rate.  Plus, convenient 24/7 CUOnline banking access, perfect for the busy individual.

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Signature Loans

Many times, you may obtain money for vacations, bills or other expenses without providing collateral. Your signature alone is your promise to repay.

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Student Choice Lending

A Better Way to Pay for College!  With tuition and fees on the rise and federal aid limits remaining relatively low, you may need some help filling the gap.  Student Choice Lending can help.

  • Student Choice now offers a refinance loan solution to young adults and families who have graduated from a degree-seeking program at an approved college.  This will take their outside student loan debt and refinance it to a fair loan with competitive rates that align them with the credit union philosophy of putting the best interest of members first and helping them responsibly manage their finances.
  • Qualifying Loans:  Federal and Private Student Loans, Institutional Loans
  • Loan Type:  Closed-end made to refi Federal, private and institutional loans –
                           Including loans that were previously consolidated
  • Maximum Loan Amount:  $100,000
Visit Student Choice Lending for further details.

Share Secured Loan

You agree to leave the same amount of money in your Primary Share Savings Account as the amount you’re borrowing for the term of the loan.

Overdraft Line of Credit

A line of credit attached to your Directions checking account, which provides overdraft protection in the form of incremental deposits to cover checks drawn on the members account.

PayStretcher Loan

Check cashers, finance companies and others are making small, short-term, high-rate loans often referred to as "pay day loans", "cash advance loans", or "check advance loans". These loans may be quick and easy....but they come at a very high price.

PayStretcher Loan is an affordable alternative to "pay day lenders". PayStretcher Loan is a line of credit set up for $250.00 limit, that must be paid within 30 days. There is an annual fee. Available for persons who have been members of Directions Credit Union for 120 days or more and in good standing.

Lifestyle Loans

Life Style Loans finance a medical procedure or elective surgery that is not covered by insurance. Life Style loans are available for various needs including:

  • Cosmetic Dentistry & Orthodontic Care
  • Lasik Vision Correction Procedures
  • Cosmetic and Reconstructive Surgery
  • Weight Loss Procedures (i.e. Bariatric Surgery, Lapband, etc.)
  • Fertility Care or Adoption Expenses
  • Medical Equipment
  • Travel and lodging expenses for out of town medical care
  • Veterinary care for your four legged family members

View our list of participating specialists  in the Toledo area.

Ability Loan

Directions Credit Union has partnered with Ability Center of Greater Toledo to offer affordable financing for the purchase of items that maximize the independence of persons with disabilities equipment including:

  • Mobility equipment (i.e. scooters, wheelchairs)
  • Vehicle Modifications
  • Life-equipped vans
  • Vehicles with hand controls
  • Ramps for homes and other home remodeling
  • Personal computers
  • And much more.

For more information about The Ability Center of Greater Toledo visit their website at www.abilitycenter.org.

Our Ability Loan program provides a number of benefits over traditional financing including rate discounts and extended terms. For more information, please contact Nathan Andrews at 419-720-4723.