For Times When the Unexpected Happens
Sometimes life happens... an emergency, home or auto repairs, medical bills, funeral expenses, etc. You may have acceptable credit, but too much debt and not enough assets to support approval of another loan type. To support the credit union motto of "people helping people", we created the Lend A Hand loan program.
This product features maximum loan terms of 12 months and loan amounts ranging from $500 - $1500. There can only be one Lend A Hand loan per member at a time. For this program, the rate will be 18.00% APR for all loans. While the qualification requirements may vary from other loan types, approval of this loan is required and is not available to all members.
Lend A Hand loans may also be used to help borrowers establish positive credit or repair borrowing history, in some cases.
How to Apply:
- Apply online
- Stop by your local branch office
- Call us toll-free at 1-800-622-5305
All terms and conditions are subject to change without notice. For online loan requests, we'll contact you within one business day to complete all necessary loan paperwork and to discuss the method for disbursing your funds, if approved. For some loans, we offer the option to sign your loan documents electronically. You must be a current member of Carolinas Telco Federal Credit Union (CTFCU) to be eligible for a loan or credit card. If you have a current CTFCU Visa® Platinum Credit Card and want to switch to the CTFCU Visa® Platinum Low Rate Credit Card, select that credit card on the application. All services including loans, credit cards, and checking accounts are subject to approval. * APR = Annual Percentage Rate. The rates appearing here are accurate as of the effective date: November 8, 2019. All terms and conditions are subject to change without notice. The Annual Percentage Rate you receive may vary, based on certain individual creditworthiness criteria. Currently, our rates range from the rates shown, up to 18.00%. For information regarding the rate you may qualify for, contact the credit union at 1-800-622-5305. All services including loans, credit cards, and checking accounts are subject to approval.