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Everyday Access Line of Credit

Be Ready Before the Next Expense.

Unexpected expenses don’t always wait for payday. Everyday Access gives you reusable access to credit for car repairs, household expenses, temporary cash-flow gaps, and other moments that simply can’t wait.

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Easy online application. Apply in minutes. Quick approval. Easy funding.

Everyday Access Line of Credit

Everyday Access is different from a one-time personal loan. It gives you an approved line of credit you can draw from when you need it. Use what you need, repay it, and as available credit returns, you can use it again. You pay interest only on the amount you use.

Everyday Access can help with:

Unexpected car repairs
Emergency household expenses
Unplanned bills
Temporary cash-flow gaps
Other expenses that cannot always wait

How Does Everyday Access Work?

Apply online.
Complete your Everyday Access application securely online.
Access what you need.
If approved, you receive a line of credit that you can access when unexpected expenses arise.
Use only what you need.
Transfer available funds to your checking account through Online Banking or use your available Line of Credit checks.
Repay and use it again.
As you repay what you borrow, available credit becomes accessible again—without applying for a new loan each time.
Pay interest only on what you use.
You are not charged interest on unused available credit.

Apply for an everyday access line of credit

Give Yourself More Breathing Room for the Unexpected.

Life happens. Everyday Access gives you a reusable financial safety net so you can handle an unexpected expense and keep moving forward.

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Help Protect Your Loan Payments Against the Unexpected*

Life doesn’t always go as planned. Member’s Choice™ Borrower Security is optional debt protection that may cancel or reduce your eligible loan balance or payments, up to contract maximums, if a covered event such as death, disability, or involuntary unemployment occurs.

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*APR = Annual Percentage Rate. Rates subject to change.

**Certain restrictions apply. Some products may not be combined with other Democracy FCU discounts. Loan decisions based on member qualifications and credit score.