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Cash $tash® Line of Credit

You can't always predict when you'll need extra cash.
But you can be prepared.

Cash $tash is a revolving line of credit – an unsecured loan requiring no collateral - that allows you to borrow available funds as often as you like, up to your maximum credit limit, for almost anything you want or need. It’s ideal if you prefer alternatives to credit cards, with terms that are typically better. To request funds from your line of credit, you can transfer the money you need via TDECU Digital Banking or Maxine Telephone Banking.

Why TDECU Cash $tash Line of Credit?

In need of some extra cash?

Apply for Cash $tash line of credit

Cash $tash FAQs

What is the difference between a personal loan and a line of credit?

A personal loan will begin accruing interest on the full loan balance right away and the monthly payment will be fixed amount over the term of the loan. However, a line of credit will not accrue interest until a draw is made from the line, and the interest will be charged only on the outstanding balance.

Can I get a line of credit online?

Yes. You can submit a line of credit application online.

What does line of credit available mean?

Credit available is the amount that you can draw from the line of credit.

What does maximum line of credit available mean?

Credit available is the maximum amount that you can draw from the line of credit.

I require funds over a period of time. Would a line of credit be preferable?

Yes. A line of credit is a revolving credit account that allows you to draw funds up to a limit. It allows you to borrow funds as needed, without having to take the full amount in one lump-sum payment.

I am not sure how much I want to borrow. Would a line of credit or a personal loan be better for me?

If you are not sure how much you want to borrow, a line of credit is recommended. With a line of credit, you’re approved to borrow a predetermined amount of money and you draw against that limit as you need it. You'll only pay interest on the money you actually use.

All personal loan products

TDECU offers a suite of personal loans to meet your needs, including our Assistance, Personal and Home Advantage Loans.

 

Cash $tash® Line of Credit

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

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Amount

$1,000 – $75,000

Minimum APR1

7.74%

Term

Revolving

Additional Benefits:

No collateral required.
No payments for 60 days.2

 

Personal
Loan

Flexible loans tailored to your needs.

Amount

$1,000 – $10,000

Minimum APR1

5.74%

Term

12 – 72 Months

Additional Benefits:

No collateral required.
No payments for 60 days.2

 

Home Advantage
Personal Loan

Larger personal loan with discounts3 designed for homeowners.

Amount

$10,000 – $50,000

Minimum APR1

6.24%

Term

84 Months

Additional Benefits:

No collateral required.
No payments for 60 days.2

 
 
 

Cash $tash® Line of Credit

Personal
Loan

Home Advantage
Personal Loan

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

Flexible loans tailored to your needs.

Larger personal loan with discounts3 designed for homeowners.

Amount

$1,000 – $75,000

Amount

$1,000 – $10,000

Amount

$10,000 – $50,000

Minimum APR1

7.74%

Minimum APR1

5.74%

Minimum APR1

6.24%

Term

Revolving

Term

12 – 72 Months

Term

84 Months

Additional Benefits:

No collateral required.
No payments for 60 days.2

Additional Benefits:

No collateral required.
No payments for 60 days.2

Additional Benefits:

No collateral required.
No payments for 60 days.2

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 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.

2 Interest will be charged to your account from the original loan date on the unpaid balance during the 60-day payment deferral period. A minimum credit score of 660 is required to qualify for the deferred payment option.

3 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.

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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