Since you can put your presents on layaway Team DCCU thought “Why can’t you put your Christmas Loan on Layaway?” That’s how the Layaway Loan was born! Take advantage of this awesome promotion! We are dropping starting rates from 7.00% APR all the way down to 3.99% APR just for the Holidays! So even if you’re on the naughty list Team DCCU is going to give you a “jolly” rate! What makes it even better is you’ll get the cash now and not have to worry about your payments for 90 days after you take out the loan! Click below to apply and select “Layaway Christmas Loan Promo” from the “Please select loan type:” drop-down menu!