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Personal > Freedom Cash Loan

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

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

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Freedom Cash Loan Eligibility And Guidelines

Eligibility Guidelines


Needs to be DNCU member for at least 120 days (4 months).


Individual applicants only.


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 $100.

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.


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.


Application Fee

$20 -- Collected at time of application

Maximum Term

6 months

Late Fee

$15 will be charged on loans that are 15 days or more past due.

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Personal Loans

Type of Loan

APR*** as Low As


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


Type of Loan

Unsecured Personal Loan

APR*** as Low As


Type of Loan

Unsecured Revolving Line of Credit

APR*** as Low As


Type of Loan

Payday Loan "Freedom Cash

APR*** as Low As


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Payday Loans Electric Sign Shining At Night

The Complete Guide To Payday Loans

Are you new to payday loans and cash advances? Looking for tips on how to responsibly use these types of loans?

Check out the free Complete Guide To Payday Loans In New Mexico in our Financial Fitness section.

Check Out The Guide

Take advantage of Freedom Cash.

Select Apply Now to apply for your Freedom Cash loan online today.

Apply Now

Enjoy all that DNCU offers. Become a member today.

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505-455-5228 or
(877) 818-3628 toll-free.