Personal Loans
Overcome unexpected expenses with a personal loan.
We offer a choice of personal loan options to meet your needs
-
Personal loans
For unanticipated expenses and other urgent financial needs, DNCU’s personal loans are easy to use and easy to understand.
-
Lines of credit
For peace of mind and the flexibility to borrow at a low rate when needed with convenient repayment options, including minimum monthly payments†.
-
Share secured loans
Need a cost-effective way to borrow? Use your savings (share or share certificate) to secure your personal loan at a low cost.
-
Freedom Cash
DNCU is committed to reducing the borrowing costs associated with payday loans with the introduction of Freedom Cash.
Current rates
|
Type of Loan |
APR*** as Low As |
|---|---|
|
DISCLOSURES Loan Rates are current as of September 28, 2023. Loan Rates and Fees may change at any time without notice. Please contact a member services representative for details. ***APR= Annual Percentage Rate. This is not an offer for credit. Your rate may be different based on credit approval, collateral, or terms requested. Rates advertised may change at anytime without notice. Please contact a lender for detail on current rates and terms. Offer is subject to credit approval. Your approved rate may be higher based on credit, term, or collateral. APR offered assumes loan amount of $10,000, term of 36 months, minimum FICO score of 730+ and must meet debt to income requirements. Loan subject to $37 processing fee. Other terms and conditions may apply. Speak with a lender regarding the specific requirements. ‡Share or Certificate Secured must be at DNCU. †Minimum payment terms of 3% of the balance, plus interest, or $15 (whichever is greater) apply. Rate may change after opening and increase. ⊕$20 application fee collected at time of application. Maximum term of 6 months. $15 late fee will be charged on loans that are 15 days or more past due. Full Payroll Deposit and Automatic Payments -0.50%
|
|
|
Type of Loan Share or Certificate Secured‡ |
APR*** as Low As 2.25% |
|
Type of Loan Unsecured Personal Loan |
APR*** as Low As 10.75% |
|
Type of Loan Unsecured Revolving Line of Credit† |
APR*** as Low As 12.99% |
|
Type of Loan Payday Loan "Freedom Cash⊕ |
APR*** as Low As 27.17% |
The Complete Guide To Personal Loans
What are personal loans and what can they used for? Get more information with the Complete Guide To Personal Loans on the DNCU Blog.
— Tanya M., DNCU MemberI was so pleased with the service I recently received with obtaining a personal loan. I received the information I needed without pressure and when I was ready, we did everything by email. Gone are the days that we have to sit and wait at the bank. I’m so happy with the experience and hope others know how easy the process is!
Get your personal loan today
Personal loans may be applied for online.
Lines of credit and Share Secured loans may be applied for in-person at a DNCU branch or by phone at (877) 818-DNCU
You might also be interested in:
Free financial advice and assistance
DNCU and our partner, GreenPath are proud to present resources and guidance for successfully navigating a variety of financial challenges.
Savings accounts
DNCU offers a variety of savings accounts to fit every lifestyle at every stage. Quickly and easily open an account with us today.
Join us
505-455-5228 or
(877) 818-3628 toll-free.
Disclosures
†Minimum payment terms of 3% of the balance, plus interest, or $15 (whichever is greater) apply.
*Back to School Loan, APR= Annual Percentage Rate. This is not an offer for credit. Your rate may be different based on credit approval, collateral, or terms requested. Rates advertised may change at anytime without notice. Offer is subject to credit approval. Your approved rate may be higher based on credit, term, or collateral. Other terms and conditions may apply. Offer expires 08/31/2023.
