The Digital Federal Credit Union is a personal loan from Digital Federal Credit Union. Application typically pulls a hard report from Equifax. The annual fee is $0. The ongoing APR is As low as 17.99% APR for terms up to 12 months; rates subject to change at any time. 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: Maximum term 12 months; about $91.68 per $1,000 borrowed per month (principal and interest) at longest term. 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).