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TDECU Personal Loan Suite

TDECU Personal Loan Suite

Get the cash you need with loans starting at 7.74% APR1

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TDECU Personal Loans

TDECU Personal Loans

  • Competitive interest rates
  • Easy online application process
  • Flexible payment options including setting automatic payments, timeline and pay dates, and your choice of payment account
  • You can use your cash for whatever you want or need

Find the best personal loan for your needs

TDECU personal loans give you access to the cash you need, no matter the reason. From paying for an emergency expense, consolidating debt, to remodeling your home, TDECU has you covered. Plus, all our personal loans offer low, competitive interest rates and flexible payment options.

While some personal loans require collateral — 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 — TDECU also offers Members “unsecured” (collateral-free) personal loans based on creditworthiness.

TDECU Personal Loans feature these benefits:

As
low as

7.74%

APR1

Up
to

$50,000

for Unsecured Loans

Zero

Fees

Unsecured Personal Loans

We offer personal loan options that are unique to your needs — no collateral required.

 

Personal Loan

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

Amount

7.74% – 17.99%

APR1

12 – 72 months

Term

 

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

Amount

8.24% – 12.99%

APR1

Up to 84 months

Term

 

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

Amount

9.74% – 17.99%

APR1

Revolving

Term

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.

100%
of Collateral

Amount

2.00%
plus CD rate

Minimum APR1

Up to the CD maturity date

Term

 

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.

100%
of Collateral

Amount

2.00%
plus Share Savings rate

Minimum APR1

Up to 10 years

Term

Personal Loan Calculators

Estimate your payment amount and payoff schedule

Our loan calculators are helpful to compare competitive rates and loan offers, or to estimate what your monthly payment will be. Whether you are trying to consolidate high-interest credit card debt, have excellent credit or bad credit, or simply need to 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
 
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 start your loan application?

Before you begin your application, you will need the following:
Personal information such as employment, income, and housing status

Personal information such as employment, income, and housing status

Preferred amount and loan term

Preferred amount and loan term

TDECU Membership<br>(Not a Member? Apply online along with your loan application!)

TDECU Membership
(Not a Member? Apply online along with your loan application!)

Personal Loan Suite Frequently Asked Questions

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?
Once we receive the necessary information and approve the loan, your loan funds will become available within one business day.

How can I make a payment on my personal loan?
There are several ways to make your personal loan payment. The easiest way 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 early?
Yes. At TDECU, there are no prepayment penalties for paying off your personal loan earlier than your original term. In fact, it is a great way to save on higher interest rate loan payments over the long run!

Who do I talk to if I have more questions?

Contact us at (800) 839-1154 for more information or visit your nearest Member Center. We are here to help.

Ready to apply for a TDECU Personal Loan?

Start your application today and cash in on a better tomorrow!

1APR = Annual Percentage Rate. Rates, 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 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 TDECU Personal Loan with a 12-month term at 7.74% equals a $347.47 monthly payment; a $20,000 Home Advantage Loan with an 84-month term at 8.24% APR equals a $314.12 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.
 

Please Note

Due to supply chain disruptions, TDECU Credit Cards may experience delivery delays. You can expect your new card within 6-8 weeks of application approval.

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