Personal > Personal Loans

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Personal Loans

Overcome unexpected expenses with a personal loan.

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Empower yourself to meet various financial obligations with an easy-to-use personal loan from DNCU.

We offer a choice of personal loan options to meet your needs

  • young man on side of road fixing flat tire

    Personal loans

    For unanticipated expenses and other urgent financial needs, DNCU’s personal loans are easy to use and easy to understand.

  • dad and daughter outside

    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.

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    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.

Current rates

Personal Loans

Type of Loan

APR*** as Low As

DISCLOSURES

Loan Rates are current as of October 2, 2020. 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. Rates are current as of October 2, 2020.

Offer is subject to credit approval. Your approved rate may be higher based on credit, term, or collateral. APR offered assumes term of 60 months, minimum FICO score of 730+, and must meet debt to income requirements. 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.

 

Type of Loan

Share or Certificate Secured‡

APR*** as Low As

2.00%

Type of Loan

Unsecured Personal Loan

APR*** as Low As

10.74%

Type of Loan

Unsecured Revolving Line of Credit

APR*** as Low As

10.74%

Type of Loan

Payday Loan "Freedom Cash"

APR*** as Low As

19.99%

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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.

Get The Free Guide

I 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!

— Tanya M., DNCU Member

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

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Stop by one of our branches
Find your closest branch
Call 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.