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Personal > Personal Loans

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Personal Loans

Overcome unexpected expenses with a personal loan.


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 fixes flat tire of car on side of desert road

    Personal loans

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

  • Smiling daughter sits on father's shoulders and covers his eyes with her hands

    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.

  • Woman paints lavender fields on art canvass while outside

    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.

  • Payday Loans Electric Sign Shining At Night

    Freedom Cash

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

    Learn More

Current rates

Personal Loans

Type of Loan

APR*** as Low As


Loan Rates are current as of May 5, 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.


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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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

Apply For Personal LoanFind a branch

Join us

Become a DNCU member
Apply now
Stop by one of our branches
Find your closest branch
Call us

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


Minimum payment terms of 3% of the balance, plus interest, or $15 (whichever is greater) apply.