Skip to main content Skip to footer
Menu

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?

Ready to make your house a home?

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

Loan Information

Results
 

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.

 

Home Advantage
Personal Loan

Larger personal loan with discounts designed for homeowners.

Apply Now - You're here -
Amount

$10,000 – $50,000

Minimum APR2

6.24%

Term

84 Months

Additional Benefits:

No collateral required.
No payments for 60 days.3

 

Assistance
Loan

Small dollar emergency loan.

Amount

$500 – $4,000

Minimum APR2

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.3

 

Personal
Loan

Flexible loans tailored to your needs.

Amount

$1,000 – $10,000

Minimum APR2

5.74%

Term

12 – 72 Months

Additional Benefits:

No collateral required.
No payments for 60 days.3

 

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 APR2

7.74%

Term

Revolving

Additional Benefits:

No collateral required.
No payments for 60 days.3

 
 
 
 

Home Advantage
Personal Loan

Assistance
Loan

Personal
Loan

Cash $tash®
Line of Credit

Larger personal loan with discounts designed for homeowners.

Small dollar emergency loan.

Flexible loans tailored to your needs.

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

Amount

$10,000 – $50,000

Amount

$500 – $4,000

Amount

$1,000 – $10,000

Amount

$1,000 – $75,000

Minimum APR2

6.24%

Minimum APR2

12 Months – 6.49%
24 Months – 6.99%

Minimum APR2

5.74%

Minimum APR2

7.74%

Term

84 Months

Term

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

Term

12 – 72 Months

Term

Revolving

Additional Benefits:

No collateral required.
No payments for 60 days.3

Additional Benefits:

No collateral required.
No payments for 60 days.3

Additional Benefits:

No collateral required.
No payments for 60 days.3

Additional Benefits:

No collateral required.
No payments for 60 days.3

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.

Live Chat