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Cash in on a better tomorrow

With a personal loan and no payments for 60 days

Whether you just need to catch up 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 and no payments for 60 days.

TDECU personal loans:

  • Borrow up to $75,000
  • Rates as low as 5.74% APR1
  • No payments for 60 days2
  • Loans and lines of credit 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 your payments and protect your loan payments with our payment protection and insurance options. And if you need help deciding which option is right for you, just let us know. That’s why we’re here.

 


Assistance
Loan

Small dollar emergency loan.

Amount

$500 – $4,000

Minimum APR1

12 Months – 6.49%
24 Months – 6.99%

Term

12 Months – $500 – $1,999
24 Months – $2,000 – $4,000

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 discounts 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

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

Amount

$1,000 – $75,000

Minimum APR1

7.74%

Term

Revolving

Additional Benefits:

No collateral required.
No payments for 60 days.2

 
 
 
 


Assistance
Loan


Personal
Loan


Home Advantage
Personal Loan


Cash $tash®
Line of Credit

Small dollar emergency loan.

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

$500 – $4,000

Amount

$1,000 – $10,000

Amount

$10,000 – $50,000

Amount

$1,000 – $75,000

Minimum APR1

12 Months – 6.49%
24 Months – 6.99%

Minimum APR1

5.74%

Minimum APR1

6.24%

Minimum APR1

7.74%

Term

12 Months – $500 – $1,999
24 Months – $2,000 – $4,000

Term

12 – 72 Months

Term

84 Months

Term

Revolving

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

Additional Benefits:

No collateral required.
No payments for 60 days.2

Loan Calculators

Our loan calculators are helpful to compare rates and options, or to estimate what your monthly payment will be.

Select a calculator from the list below.

Loan Information

Results
 

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

  • Employment, income, 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.



Personal loan FAQs

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

TDECU Personal Loans are unsecured 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 your loan is approved, funds are available the same day, in most cases.

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 deposit account to your personal loan using our Online/Mobile Banking or a Maxine Telephone Banking services. We also offer the ability to make a payment via our Make a Loan Payment service.

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 interest 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.

2 Interest will be charged to your account from the original loan date on the unpaid balance during the 60-day payment deferral period.

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 $2,000 Assistance Loan with a 24-month term at 6.99% APR equals an $89.54 monthly payment; a $4,000 personal loan with a 36-month term at 5.74% equals a $121.22 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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