Personal Loans
Want to consolidate debt or finance an upcoming expense?
Our lenders are here to help.
Loan Options to Meet your Needs
A personal loan can be a smart, flexible way to cover life’s big moments or unexpected expenses.
Whether you’re planning a wedding, updating your home, covering medical bills or consolidating high-interest debt, a personal loan gives you access to funds upfront with the confidence of monthly, fixed payments.
Check out our complete guide to learn more about personal loans.
View our most up to date personal loan rates here.
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Personal Lines of Credit
- Only make draws on your credit line when you need and only accrue interest if you don’t repay what you borrowed by the due date
- Personal Lines of Credit can be secured or unsecured
- Personal Lines of Credit are available in amounts up to $5,000.00
- Access the full principle (the amount borrowed) in a lump sum on approval
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Debt Consolidation
- Simplify debt management by consolidating multiple debts into one easy payment
- Set a goal to payoff debt faster while saving money on your interest rate
- Only $37 to apply, no balance transfer fee, no annual fee, flexible credit requirements, and fast processing
- Learn more about DNCU’s Debt Consolidation Loan here
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Freedom Cash Loan
- A simple and affordable option to “bridge the gap” between your pay or retirement checks
- Affordable option for short term loans with a maximum of a 6 month term
- You must be a DNCU member for at least 120 before applying and apply as an individual
- You must have direct deposit from employer or source of retirement income ($100 minimum)
- Learn more about DNUC’s Freedom Cash Loan here
Repayment Terms
- Options for Personal Loan repayment can be up to 60 months.
- Unsecured Personal Loans up to $30,000.00
- Personal Lines of Credit up to $5,000.00
- Rates from 10.49% to 17.99% APR*
Amount Financed
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$1,871.68
$1,871.68
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$3,000.00
$3,000.00
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$2,000.00
$2,000.00
Repayment Period
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$1,871.68
24 Months
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$3,000.00
36 Months
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$2,000.00
24 Months
APR
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$1,871.68
17.95%
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$3,000.00
11.74%
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$2,000.00
15.28%
Monthly Payment
-
$1,871.68
$95.00
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$3,000.00
$101.00
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$2,000.00
$98.00
Total Paid
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$1,871.68
$2,252.77
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$3,000.00
$3,629.28
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$2,000.00
$2,348.22
Current rates
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Type of Loan |
APR*** as Low As |
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DISCLOSURES Loan Rates are current as of December 20, 2024. 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%
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Type of Loan Share or Certificate Secured‡ |
APR*** as Low As 2.00% |
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Type of Loan Unsecured Personal Loan |
APR*** as Low As 10.49% |
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Type of Loan Unsecured Revolving Line of Credit† |
APR*** as Low As 12.99% |
— 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.
Join us
(877) 818-3628 toll-free.
Disclosures
†Minimum payment terms of 3% of the balance, plus interest, or $15 (whichever is greater) apply.
*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.
