TDECU Personal Loan Suite
Get the cash you need with loans starting at 7.74% APR1
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:
low as
7.74%
APR1
to
$50,000
for Unsecured Loans
Zero
Fees3
Unsecured Personal Loans
We offer personal loan options that are unique to your needs — no collateral required.2
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
8.99% – 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
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.
Secured personal loans DO require collateral.
Collateral is typically something the borrower owns, like a car, home, boat, etc. It is pledged as security for loan repayment and will be forfeited if the borrower defaults. Regarding TDECU's secured personal loans, you can use a certificate of deposit (CD) or a share savings account to secure the loan extended to you.
What is collateral?
Collateral is typically something the borrower owns, like a car, home, boat, etc. It is pledged as security for loan repayment and will be forfeited if the borrower defaults. Regarding TDECU's secured personal loans, you can use a certificate of deposit (CD) or a share savings account to secure the 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?
What documents are required to apply for a loan?
When you apply for a Personal Loan or Home Advantage Loan, the following documents are required*:
- Valid Driver's License/State Identification
- Proof of Income
- Paystub if employed
- W2 or Tax Return if Self Employed
- Voided Check for Autopay
For a Cash $tash® Line of Credit, the following documents are required*:
- Valid Driver's License/State Identification
- Proof of Income
- Paystub if employed
- W2 or Tax Return if Self Employed
- Draw Account
- Voided Check for Autopay
*More or less documents may be requested depending on the loan representative. Other terms/conditions apply; contact TDECU for details.
Who can I talk to if I have more questions?
Ready to apply for a TDECU Personal Loan?
Start your application today and cash in on a better tomorrow!
- Apply for a personal loan online: Apply Now
- Visit a Member Center: Find a Location
- Give us a call: (800) 839-1154
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.
2Advertised 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.
3Personal loans have no origination fees, closing fees, or prepayment penalties. Late fees may still be assessed. View the full fee schedule.
Terms of Repayment: A $4,000 TDECU Personal Loan with a 12-month term at 7.74% APR equals a $347.47 monthly payment; a $20,000 Home Advantage Loan with an 84-month term at 8.99% APR equals a $321.68 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.