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Personal Loans

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Personal Loans that Fit YOUR Needs

Designed to be a simple and easy way for you to get quick access to cash.


As your financial partner, Texas Bay is here to celebrate the good and overcome the bad with affordable and flexible loan options. Whether you need cash for a special occasion, vacation, or if you have been blind-sided with unexpected expenses, our personal loans are made to be simple to get cash in your hand quickly.

Use your personal loan for...

  • Home Improvements
  • Consolidate Debt
  • Engagement Rings & Weddings
  • Vacations
  • Property Taxes
  • Unexpected Expenses (i.e., medical bills, home, and auto repairs)
  • ANYTHING!!!


Features

  • Repayment periods from 6-72 months
  • Low rates never higher than 18% APR1
  • No fees
  • No pre-payment penalty
No matter the life event or unexpected crisis, we can help with a personal loan.




Our personal loans offer you a flexible borrowing option with low-interest and longer repayment terms in lieu of you needing to deplete your bank account. These loans do not require collateral, and you can use it for any purpose.

Shared Secured Loans can be used for any purpose and are perfect for our members who are looking to establish or rebuild credit. Use your Texas Bay savings or Certificate of Deposit accounts to secure a loan, make payments until the loan is paid in full, then get the savings back - all while building up your credit score.

A line of credit does not require collateral and can be used for a multitude of purposes, including overdraft protection on your checking account. You will have quick access to cash when you need it. Use your line of credit for emergencies and other unexpected expenses life throws at you. As you make loan payments, your borrowing power replenishes.

Interested, but not quite sure what is the best option for your needs?

No problem! Our Financial Service Representatives are here to help answer questions or assist you in narrowing down which option fits your needs best.  


Disclosure:
Membership eligibility required. Relationship Product Discounts lower your rate up to a .50% reduction from the standard rate. The standard rate is based on your credit at the time of application. Discounts per product vary. A combination of products reach up to .50% rate reduction.
1APR=Annual Percentage Rate THE ANNUAL PERCENTAGE RATE (APR) WILL BE THE MOST RECENTLY DECLARED DIVIDEND RATE BEING PAID ON THE HIGHEST TIERED SHARE/MONEY MARKET ACCOUNT (INDEX) ON THE DATE OF THE ADVANCE PLUS A MARGIN OF 3.00% ABOVE THE INDEX. NOT WITHSTANDING THIS CALCULATION, YOUR ANNUAL PERCENTAGE RATE WILL NEVER BE MORE THAN 18.00%, OR THE MAXIMUM RATE PERMITTED BY LAW, WHICHEVER IS LESS. YOUR ANNUAL PERCENTAGE RATE WILL NEVER BE LESS THAN 3.00%. IF THERE IS AN EXISTING BALANCE AT THE DATE OF A NEW ADVANCE, THE NEW ADVANCE WILL BE ADDED TO THE EXISTING BALANCE, AND THE ENTIRE BALANCE WILL BE AT THE NEW (MOST RECENT) APR. INTEREST RATES ARE SUBJECT TO CHANGE SEMI-ANNUALLY JANUARY 1 & JULY 1 OF EACH YEAR TO REFLECT ANY CHANGE IN THE INDEX. THE RATE CANNOT INCREASE OR DECREASE MORE THAN 1/2% IN ANY SIX MONTH PERIOD. ANY INCREASE IN THE APR WILL RESULT IN MORE PAYMENTS OF THE SAME AMOUNT UNTIL WHAT YOU OWE HAS BEEN REPAID.