
TDECU Home Advantage Personal Loan
A personal loan that rewards homeowners
— and requires no collateral
Looking for a personal line of credit?
With a line of credit, you only pay interest on the cash you use:
- Borrow up to $50,000
- Draw funds when you need them, up to your approved limit
- No collateral required
- APR1 starting as low as 9.74%
Borrow up to $50,000 and fund your biggest dreams
The TDECU Home Advantage Personal Loan gives homeowners like you an advantage to get the funds you need, whether you are planning to remodel your home, put in a pool, consolidate debt, or even cover medical expenses. Our TDECU Home Advantage Personal Loan is different from a home equity loan as you can borrow money without using your home as collateral. Plus, Members who have their mortgages with TDECU enjoy a 0.50% discount2 on our already competitive interest rate.
The TDECU Home Advantage Personal Loan features these benefits:
low
as
7.24%
APR1
Zero
Collateral Required
up to
$50,000
TDECU Home Advantage Personal Loan Calculator

Ready to apply for a TDECU Home Advantage Personal Loan?
Take advantage of being homeowner and fund your goals today!
- Apply for a Home Advantage Personal Loan online: Apply Now
- Visit a Member Center: Find a Location
- Give us a call: (800) 839-1154
1APR = 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 checking or savings account. TDECU Home Advantage Personal Loan rate also includes a 0.50% discount for having your mortgage with TDECU. Rates, terms, and conditions subject to change. Credit subject to approval. Other rates are available.
2No other discounts may apply. Loan is unsecured and is not a mortgage product. Proof of home ownership is required. Limit one per household. You should consult your tax advisor for informatoin regarding the deductible of interest and charges.
Terms of Repayment: A $4,000 TDECU Personal loan with a 12-month term at 7.14% APR equals a $346.37 monthly payment; a $20,000 Home Advantage Loan with an 84-month term at 7.24% APR equals a $304.12 monthly payment; a Cash $tash LOC balace 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.