Personal Loans
Personalized for What You Need
Loan Options to Meet your Needs
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Loan Options
Line of Credit, Secured or Unsecured, personalized for your financial needs. DNCU’s personal loan options are easy to use and easy to understand.
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Debt Consolidation
A debt consolidation loan is a financial tool that merges various debts into one personal loan, offering a single fixed interest rate and repayment schedule.
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Freedom Cash
DNCU is committed to reducing the borrowing costs associated with payday loans with the introduction of Freedom Cash.
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.
