Personal > Freedom Cash Loan

FREEDOM CASH LOAN

Get around the bend with an affordable option for short term loans.

To better serve you, our online link has a new look!

DNCU is committed to reducing the borrowing costs associated with payday loans with the introduction of Freedom Cash.

Freedom Cash Loan Eligibility And Guidelines
N/A	N/A	N/A
Eligibility Guidelines	Membership	Needs to be DNCU member for at least 120 days (4 months).
	Application	Individual applicants only.
	Employment	Needs to be employed or receiving retirement income for at least 180 days (6 months).
	Age of Applicant	Needs to be 18+ years old.
	Direct Deposit	Needs to have direct deposit from employer or source of retirement income of at least twice a month.
	Freedom Cash Loans Allowed	Only one Freedom Cash loan allowed at a time. Maximum of 3 Freedom Cash loans allowed in a rolling six month period.

Disqualifications	DNCU Loans	Applicant cannot be 30+ days past due on any DNCU obligation.
	DNCU Deposit Accounts	Applicant cannot have a negative balance in any account with the exception of courtesy pay funds.
	Freedom Cash Loans	Applicants need to have demonstrated on time payment history on previous Freedom Cash loans.

Guidelines	Application Fee	$20 -- Collected at time of application
	Maximum Term	6 or 12 Months
	Late Fee	$15 will be charged on loans that are 15 days or more past due.

Freedom Cash Loan Rates Table
Type of Loan	Up to $1,000 APR*** as Low As	Up to $2,000 APR*** as Low As
DISCLOSURES Loan Rates are current as of September 1, 2025. 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. Actual rate will vary based on creditworthiness, collateral, and loan terms. ‡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 12 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‡	Up to $1,000 APR*** as Low As 2.00%	Up to $2,000 APR*** as Low As 2.00%
Type of Loan Freedom Cash Loan Personal Loan- 6 Month Term	Up to $1,000 APR*** as Low As 19.99%	Up to $2,000 APR*** as Low As
Type of Loan Freedom Cash Loan Personal Loan- 12 Month Term	Up to $1,000 APR*** as Low As 22.99%	Up to $2,000 APR*** as Low As 24.99%