for Unsecured Loans
Unsecured Personal Loans
We offer personal loan options that are unique to your needs — no collateral required.
Our signature personal loan provides cash in one lump sum at an interest rate lower than most banks. The TDECU Personal Loan is useful for things like emergency expenses, home repairs, and more.
$1,000 – $10,000
7.74% – 17.99%
12 – 72 months
Home Advantage Personal Loan
While this personal loan is designed for homeowners, it can be used for anything, including debt consolidation, paying medical bills, or remodeling your home. Plus, if your mortgage is with TDECU, you will qualify for a 0.50% discount off your interest rate.
$10,000 – $50,000
8.24% – 12.99%
Up to 84 months
Cash $tash® Line of Credit
Be prepared for life's unplanned events with Cash $tash®, a revolving line of credit that lets you borrow up to your maximum credit limit as often as you like.
$1,000 – $50,000
9.74% – 17.99%
Looking for secured options?
Members who already have a Certificate of Deposit (CD) or Share Savings with TDECU are eligible for personal loans with even lower interest rates.
Certificate of Deposit (CD) Secured Loan
A personal loan backed by your TDECU CD as collateral, which can be used as payment if the loan terms are not met.
plus CD rate
Up to the CD maturity date
Share Secured Loan
A personal loan backed by your TDECU savings account as collateral, which can be used as payment if the loan terms are not met.
plus Share Savings rate
Up to 10 years
What is the difference between an unsecured and a secured personal loan?
Unsecured personal loans do NOT require collateral. Refer to next question for definition of collateral.
Secured personal loans DO require collateral. Refer to next question for definition of collateral.
What is collateral?
Collateral is typically something owned by the borrower, such as an auto, home, boat, etc., that’s pledged as security for repayment of a loan and forfeited in the event of a default. In the case of TDECU’s secured personal loans, a certificate of deposit/CD or share savings account can be used to secure a loan extended to you.
When will I receive the funds from my TDECU Personal Loan?
How can I make a payment on my personal loan?
Can I make additional payments and pay off my personal loan early?
Advertised rates include 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. 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% APR 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.