Home Advantage Personal Loan
Up to $50,000 with no collateral required
There’s truly no place like home
After all, it’s the place where we share the most, dream the biggest and envision our dreams coming true.
Get the funds you need
Whatever your dreams or needs are – to make home improvements, purchase something big or not so big, consolidate debt, or to simply give you access to additional spending money – the TDECU Home Advantage Personal Loan1 can help you get the funds you need and requires no collateral.
Why choose the Home Advantage Loan?
Competitive interest rates
We provide low interest rates for our Members
Easy online application
Complete the application in under 10 minutes
Flexible terms and payment options
Including automatic payments and choosing your repayment term and payment dates
No changes to your payment plan
We won't increase your payments or make repayment changes
No collateral required
We won't use your assets as collateral
Use your cash on anything
You can use your cash for whatever you want or need
Apply for a Home Advantage Loan
What's the difference between the TDECU Home Advantage Loan and home equity loan?
Easier and faster to close
A Home Advantage Loan can be secured on the same day while the home equity loans may take up to a couple of weeks
No fees
There are no costs associated with a Home Advantage Loan whereas a home equity loan involves fees in most cases
Home Advantage Loan calculator
All personal loan products
TDECU offers a suite of personal loans to meet your needs, including our assistance, personal and cash $tash line of credit loans.
Not finding what you need? Call us at (800) 839-1154. We’re here to help.
Account must be in good standing. Proof of income and credit approval required. Offers subject to change/end without notice and at sole discretion of TDECU. Other terms/conditions may apply; contact TDECU for details.
1 No other discounts may apply. Loan is unsecured and is not a mortgage product. Proof of home ownership required. Limit one per household. You should consult your tax advisor for information regarding the deductibility of interest and charges.
2 APR = Annual Percentage Rate. Rates are based on amount borrowed and approved credit (determined by your credit score). Advertised rates include a 0.25% discount for a recurring direct deposit of $250 or more into a TDECU Savings or Checking account.
3 Interest will be charged to your account from the original loan date on the unpaid balance during the 60-day payment deferral period.
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 6.24% equals $294.48 monthly payment; 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.
