Personal Loans & Lines of Credit
Start by checking your rate with no impact on your credit score†. Then choose the option that fits your needs: a TAPCO Personal Loan for one-time expenses or a Personal Line of Credit for ongoing access to funds when you need them.
Get the money you need for the things you want to do
Cover unexpected expenses. Consolidate debt. Create a financial safety net. Whatever your goal, TAPCO's personal loan and personal line of credit options can help you reach it.
Choose a lump-sum loan or a revolving line of credit
Helps you save money on your projects
You can often receive your money the same day of closing
Tap into funds through digital channels anytime
Personal Loans
There's no complicated application and no outrageous interest rate. In fact, there's no need for you to do anything but sign your name and show a solid credit history. You can get short-term funding at a fixed rate so you can pay for expenses, take advantage of opportunities, build your credit history or take on anything else life brings.
- Fixed rate, closed-end loan means predictable payments
- Lower interest rate than most credit cards
- Same-day funds available
- Build credit faster by making timely payments
Personal Line of Credit (PLOC)
This line of credit can be a financial lifeline, helping you pay for expenses or using it as backup funding for emergencies. You don't need to post any collateral to qualify. You just need a good credit history and your signature. Then you use the money for anything from special purchases, repairs, projects or overdraft protection on your TAPCO checking account.
- Minimum line is $500 (maximum line based on individual qualifications)
- Access money whenever you need it, up to your approved limit
- Pay a competitive interest rate only on the funds you use
- As you pay back the principal, money becomes available again
APR=Annual Percentage Rate. Rates, terms and conditions are subject to change and may vary based on creditworthiness and qualifications. Personal Line of Credit is an unsecured open-end consumer loan that consists of a fixed Annual Percentage Rate (APR) of 15.99% APR. Loan amounts range from $500 to $25,000 depending on creditworthiness, current income and other factors. Rate, limit and conditions are subject to change. Membership is required. All loans subject to approval.
†Checking your rate uses a soft credit inquiry and will not affect your credit score. The rate and term shown is a prequalification and is not a guarantee of loan approval. If you choose to continue with a full application, TAPCO Credit Union will request a full credit report, which is considered a hard credit inquiry and may affect your credit score. Final approval is subject to credit approval, collateral requirements, verification of information, and any documents requested by the credit union, such as income verification, personal identification, and collateral verification. Not all applicants will qualify.
Turn Your Home’s Value Into Cash
Use your home’s value to unlock financial freedom. Whether it’s for major renovations, debt consolidation, or personal expenses.