TDECU Personal Line of Credit

Be prepared for anything with a Cash $tash^® Line of Credit

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Looking for a personal loan?

If you know the amount you need, consider one of our personal loans instead:

Terms up to 84 months
Zero collateral loans available
Competitive interest rates

Learn More

Get approved for the cash you need — but only pay interest on what you use^*

You cannot always predict when you will need extra cash — but you can be prepared with a personal line of credit. Cash $tash^®is a revolving line of credit, from which you can borrow as often as you like, up to your credit limit.

A line of credit can be used for anything you need, but it is especially helpful for things like wedding planning (with its unforeseen or varying costs), unplanned life events, or sudden income gaps. With a line of credit to borrow against, you can spend what you need when you need it.

The Cash $tash^® Line of Credit from TDECU features these benefits:

As
low as

9.74%

APR¹

Borrow
up to

$50,000

Zero

Collateral Required

Get access to the same cash as a personal loan, but with the cost savings of a credit line

From low rates to flexible access, Cash $tash^® makes having extra cash easy.

Additional Discounts

Enjoy a 0.25% discount on your interest rate when you set up a recurring direct deposit into a TDECU checking or savings account.

Flexible Terms and Payment Options

Choose your own timeline and pay dates.

Save on interest

Pay interest only on the money you use.

TDECU Personal Line of Credit Frequently Asked Questions

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 a fixed amount over the loan’s term.

A line of credit will not accrue interest until you withdraw funds, and you will only be charged interest on the funds you withdraw.

I am going to need ongoing access to funds. Should I take out a line of credit?

Yes. A line of credit is a revolving credit account that allows you to draw funds up to your approved limit. It is for borrowing money 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 personal loan be better for me?

If you are not sure how much you want to borrow, a line of credit is a smart choice. With a line of credit, you are approved to borrow a predetermined amount of money. You withdraw funds against that limit as needed. Also, you only pay interest on the funds you withdraw.

A personal loan is paid in one lump-sum payment. Unlike a line of credit, you pay interest on the full amount of the loan, no matter how much of it you spend.

Can I get a line of credit online?

Yes. You can begin the application process online at anytime.

What does “line of credit available” mean?

Credit available is the amount that you can draw from the line of credit based on your approved loan terms.

What does “maximum line of credit available” mean?

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

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Ready to apply for your new line of credit?

Start our easy approval process today online, in person, or over the phone

Apply for a personal line of credit online - Apply Now
Visit a Member Center - Find a Location
Give us a call - (800) 839-1154

^*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.

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.

Terms of repayment: 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.