TDECU Home Advantage Personal Loan

A personal loan that rewards homeowners
— and requires no collateral

Apply Now

Looking for a personal line of credit?

With a line of credit, you only pay interest on the cash you use:

Borrow up to $50,000
Draw funds when you need them, up to your approved limit
No collateral required
APR¹ starting as low as 8.99%

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Borrow up to $50,000 and fund your biggest dreams

The TDECU Home Advantage Personal Loan gives homeowners like you an advantage to get the funds you need, whether you are planning to remodel your home, put in a pool, consolidate debt, or even cover medical expenses. Our TDECU Home Advantage Personal Loan is different from a home equity loan as you can borrow money without using your home as collateral. Plus, Members who have their mortgages with TDECU enjoy a 0.50% discount on our already competitive interest rate.

The TDECU Home Advantage Personal Loan features these benefits:

As
low
as

8.99%

APR¹

Zero

Collateral Required

Borrow
up to

$50,000

Enjoy the convenience of a
TDECU Home Advantage Personal Loan

Get affordable payments, low rates, flexible terms, and more.

Additional Discounts

Enjoy a 0.25% rate discount for a recurring direct deposit with an aggregate total of $250 or more per month to a TDECU checking or savings account. Plus, if your mortgage is with TDECU, you will qualify for a 0.50% discount off your interest rate.

Free of Fees

Unlike most home equity loans, there are zero fees associated with the TDECU Home Advantage Personal Loan.

Flexible Terms and Payment Options

Enjoy flexible terms and choose your payment dates. Plus, you never have to worry about early prepayment penalties.

TDECU Home Advantage Personal Loan Calculator

Estimate your monthly payment amount and total interest amount with our TDECU Home Advantage Personal Loan calculator.

Our financial calculators are provided as a free service to our Members. The information supplied by these calculators is from various sources based on calculations we believe to be reliable (but are not guaranteed, explicit or implied) regarding their accuracy or applicability to your specific circumstances. All examples are hypothetical and are for illustrative purposes and are not intended to provide investment advice. TDECU does not accept any liability for loss or damage whatsoever, which may be attributable to the reliance on and use of the calculators. Use of any calculator constitutes acceptance of the terms of this agreement. TDECU recommends you find a qualified professional for advice with regard to your personal finance issues.

Ready to apply for a TDECU Home Advantage Personal Loan?

Take advantage of being homeowner and fund your goals today!

Apply for a Home Advantage Personal Loan online: Apply Now
Visit a Member Center: Find a Location
Give us a call: (800) 839-1154

¹APR = Annual Percentage Rate. Advertised APR is the lowest rate offered for an 84-month term and includes a 0.25% discount for a recurring direct deposit with an aggregate total of $250 or more per month to a TDECU savings or checking account AND a 0.50% discount for having your mortgage with TDECU. Other rates/terms are available. No other discounts may be applied. Actual rate received is determined by loan term, debt-to-income calculations, and credit score of applicants.

Terms of repayment: A $20,000 TDECU Home Advantage Loan with an 84-month term at 8.99% APR equals a $321.68 monthly payment.

Loan is unsecured and is not a mortgage product. Proof of home ownership, income, and credit approval required. If a mortgage exists on the home, the current mortgage (or the current and previous mortgage combined) must be at least six months old. Limit to one Home Advantage Loan per household. Members must be in good standing. You should consult your tax advisor for information regarding the deductibility of interest. Offer subject to change/end without notice and at sole discretion of TDECU.