The DCU Quick Loan (Digital Federal Credit Union) is a personal loan from DCU Quick Loan (Digital Federal Credit Union). The annual fee is $0. The ongoing APR is 17.99%. Approval typically requires a credit score of 0 or higher. Rewards: No credit check for Quick Loans. No prepayment penalties. No hidden fees. Up to 12 months term. Membership required.. Typical credit limit: $200 - $2,000. Funding speed: Fast. Loan terms: Up to 12 Months. Minimum time in business: 180 days. Quick Loan: no credit check, up to 12 months. Also offers Credit Builder Loan at 5.00% APR (12-24 months, funds held until repaid, reports to bureaus).