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Personal loans that require no collateral

Personal loans that require no collateral

Cash in a better tomorrow

Whether you just need to catch up, help with debt consolidation, or you’re looking to get ahead on your goals, our personal loan suite offers you the cash you need to get it done – no collateral required.

TDECU personal loans:

  • Borrow up to $50,000
  • Lower interest rates with rates as low as 5.74% APR1
  • Personal loan and lines of credit rates available

Compare our personal loan options and you’ll see you have many ways to get the cash you need. Use our convenient loan calculators to estimate eligibility, payments and protect your repayment terms with our payment protection and insurance options. And if you need help deciding which personal loan option is right for you, just let us know. That’s why we’re here.

 


Personal
Loan

Flexible loans tailored to your needs.

Amount

$1,000 – $10,000

Minimum APR1

5.74%

Term and Life of the Loan

12 – 72 Months

Additional Benefits:

No collateral required.

 


Home Advantage
Personal Loan

Larger personal loan with discounts designed for homeowners.

Amount

$10,000 – $50,000

Minimum APR1

6.24%

Term and Life of the Loan

84 Months

Additional Benefits:

No collateral required.

 


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 – $50,000

Minimum APR1

7.74%

Term and Life of the Loan

Revolving

Additional Benefits:

No collateral required.

 
 
 


Personal
Loan


Home Advantage
Personal Loan


Cash $tash®
Line of Credit

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

$1,000 – $10,000

Amount

$10,000 – $50,000

Amount

$1,000 – $50,000

Minimum APR1

5.74%

Minimum APR1

6.24%

Minimum APR1

7.74%

Term and Life of the Loan

12 – 72 Months

Term and Life of the Loan

84 Months

Term and Life of the Loan

Revolving

Additional Benefits:

No collateral required.

Additional Benefits:

No collateral required.

Additional Benefits:

No collateral required.

Loan Calculators

Our loan calculators are helpful to compare competitive rates and loan offers, or to estimate what your monthly payment will be. Whether you're trying to consolidate high-interest credit card debt, have excellent credit or bad credit, or find the best personal loan for you, the TDECU calculators can help you get started.

Select a calculator from the list below.

Loan Information
Results
 

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

  • Employment, income, debt-to-income ratio, credit history and creditworthiness, 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 in a serious accident. For other qualifying coverage, such as unemployment protection, contact us for more information.

Get a Quote

Personal loan FAQs

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

TDECU Personal Loans are unsecured personal 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 you have loan approval, loan funds are available the same day, in most cases, or the next business day.

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 savings account or checking account to your personal loan using our Digital Banking or Maxine Telephone Banking services. We also offer the ability to make a payment via our Make a Loan Payment service. Just make sure you avoid late payments!

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 higher interest rate loan payments over the long run!

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


1 APR = Annual Percentage Rate.

Limited time offers. Terms and offer subject to change without notice. Credit approval and proof of income required. Other terms/conditions apply; contact TDECU for details. Advertised rates include a 0.25% discount for a recurring direct deposit of $250 or more; Home Advantage Loan rate also includes a 0.50% discount for having your mortgage with TDECU.

Terms of Repayment: A $4,000 Personal Loan with a 12-month term at 5.74% APR equals a $343.79 monthly payment; a $20,000 Home Advantage Loan with an 84-month term at 6.24% equals a $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.

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