Personal Loan | Carolinas Telco FCU

Are you looking to pay off higher-interest debt, consolidate credit cards, make seasonal home repairs, or even go on a dream vacation? A personal loan might be exactly what you need! You can borrow up to $35,000 at competitive rates, with financing terms available up to 60 months.

Other Loans

Loan	Term	APR as low as*
Line of Credit	Terms may vary	13.85%
Santa Helper	Terms may vary	13.85%
Personal Loan	Terms may vary	11.99%
Lend A Hand Loan	Terms may vary	18.00%

How To Apply:

Apply Online.
Stop by your local branch office
Call us toll-free at 1-800-622-5305

APPLY NOw!

*The loan request will be evaluated based on the applicant's creditworthiness when the loan is requested. Rate, loan approval amount, and terms will be set based on a review of income, verification of employment, loan-to-value assessment, and other underwriting guidelines.

General Loan Disclosures

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.

The terms of repayment, which reflect the repayment obligations over the full term of the loan, including any balloon payment. A payment example: For a loan of $50,000, having a 5-year (60 months) term, at an interest rate of 3.50%, would translate into a principal and interest payment of $18.19 each month for every $1,000 borrowed.

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: September 26, 2023. 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.