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Personal loans starting at 5.74% APR1

No collateral, fast and affordable

TDECU Personal Loans for all life’s unexpected expenses

Life is looking really different right now. While we're social distancing and waiting for the all clear, unplanned expenses are adding up. But don't worry, with our full suite of personal loans, you’ve got this!

TDECU Personal Loans give you:

  • The cash you need – fast
  • A 60-day deferred payment option2
  • Great rates and flexible terms
  • Options we can customize to your unique needs

In addition, TDECU offers a suite of personal loans to meet your needs, including our Assistance, Home Advantage and our Cash $tash™ Line of Credit Loans.

 


Assistance
Loan

Small dollar emergency loan.

Amount

$500 – $4,000

Minimum APR1

12 Months – 6.49%
24 Months – 6.99%

Term

12 Months – $500 – $1,999
24 Months – $2,000 – $4,000

Additional Benefits:

No collateral required.
No payments for 60 days.2

 


Personal
Loan

Flexible loans tailored to your needs.

Amount

$1,000 – $10,000

Minimum APR1

5.74%

Term

12 – 72 Months

Additional Benefits:

No collateral required.
No payments for 60 days.2

 


Home Advantage
Personal Loan

Larger personal loan with discounts designed for homeowners.

Amount

$10,000 – $50,000

Minimum APR1

6.74%

Term

84 Months

Additional Benefits:

No collateral required.
No payments for 60 days.2

 


Cash $tash®
Line of Credit

Revolving line of credit that lets you borrow up to your maximum credit limit as often as you like.

Amount

$1,000 – $75,000

Minimum APR1

7.74%

Term

Revolving

Additional Benefits:

No collateral required.
No payments for 60 days.2

 
 
 
 


Assistance
Loan


Personal
Loan


Home Advantage
Personal Loan


Cash $tash®
Line of Credit

Small dollar emergency loan.

Flexible loans tailored to your needs.

Larger personal loan with discounts designed for homeowners.

Revolving line of credit that lets you borrow up to your maximum credit limit as often as you like.

Amount

$500 – $4,000

Amount

$1,000 – $10,000

Amount

$10,000 – $50,000

Amount

$1,000 – $75,000

Minimum APR1

12 Months – 6.49%
24 Months – 6.99%

Minimum APR1

5.74%

Minimum APR1

6.74%

Minimum APR1

7.74%

Term

12 Months – $500 – $1,999
24 Months – $2,000 – $4,000

Term

12 – 72 Months

Term

84 Months

Term

Revolving

Additional Benefits:

No collateral required.
No payments for 60 days.2

Additional Benefits:

No collateral required.
No payments for 60 days.2

Additional Benefits:

No collateral required.
No payments for 60 days.2

Additional Benefits:

No collateral required.
No payments for 60 days.2

Loan Calculators

Our loan calculators are helpful to compare rates and options, or to estimate what your monthly payment will be.

Here's what you'll need to provide us to get started:

  • Employment, income, and housing information.
  • Amount you would like to finance (purchase price, and taxes).
  • Length of the loan, also known as the term of the loan.

Payment protection and insurance coverage


Accidental death and dismemberment (AD&D) insurance protects your payments if you are are in a serious accident.



Personal loan FAQs

What type of collateral do I need to provide for a personal loan?

TDECU Personal Loans are unsecured loans (aka, signature loans), so no collateral is needed. Contact us at (800)-839-1154 for more information.

When will I receive the funds from my TDECU Personal Loan?

Once all necessary information has been received and your loan is approved, funds are available the same day, in most cases.

Can I make additional payments and pay off my personal loan earlier than the original term?

Yes. At TDECU, there are no prepayment penalties for paying off your personal loan earlier than your original term. In fact, it’s a great way to save on interest over the long run!

How can I make a payment on my personal loan?

There are a number of avenues available to make your personal loan payment. The easiest method is to transfer funds from your TDECU deposit account to your personal loan using our Online/Mobile Banking or a Maxine Telephone Banking services. We also offer the ability to make a payment via our Make a Loan Payment service.

Not finding what you need? Call us at (800) 839-1154. We’re here to help.


1APR = Annual Percentage Rate.

2Interest will be charged to your account from the original loan date on the unpaid balance during the 60-day payment deferral period.

Advertised rates include a 0.25% discount for a recurring direct deposit of $250 or more. Credit approval required. Other terms/conditions apply; contact TDECU for details.

Terms of repayment: A $2,000 Assistance Loan with a 24-month term at 6.99% APR equals a $89.54 monthly payment; a $4,000 Personal Loan with a 36-month term at 5.74% APR equals a $121.22 monthly payment; a $20,000 Home Advantage Loan with an 84-month term at 6.74% equals $299.32; a Cash $tash LOC balance of $1,000 or less equals a $20 monthly payment; a Cash $tash LOC balance of more than $1,000 equals a monthly payment of 2% of the current balance.
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