Routing Number : 311376753

Routing Number : 311376753

Signature Loans

The People’s Federal Credit Union has many signature loan programs to meet your needs. Whether you’re looking to go on a once-in-a-lifetime vacation, need a little extra for your wedding, or have kids going back to school or college—we can help.

What Is a Signature Loan?

A signature loan is a personal loan that you’re free to use for just about anything. It is an unsecured loan, meaning no collateral, such a home or car, is attached to it. This makes a signature loan one of the most convenient personal loans in Texas.

Personalized for Your Needs

Our solutions are unique among unsecured personal loans in Texas in that they’re completely personalized. Rather than use a line of credit with higher rates, you can borrow a specific amount with terms that work for you, including affordable monthly payments, to cover major purchases.

Here are some types of personal loans we offer:

Back to School, Christmas and Vacation Loan Specials

Get a Signature Loan when you need it most at the most competitive rates we have available!

Borrow up to $3,000 for a year and get the things you need.

Regular Signature Loans

Borrow up to $15,000 for terms up to 3 years.

Line of Credit Loans

Line of Credit Loans are the ultimate in convenience. Take what you need when you need it; they’re perfect for home remodeling, renovations, or other projects.

Get up to $6,000 as an open-ended loan to use as you need it. The loan can be added to a checking account for your convenience.

Credit Builder Loans

Are you looking for personal loans for bad credit with no success?

We know things happen and maybe your credit score is lower than you’d like. Or maybe you’re just starting out and don’t have much of a credit history—we can help with a Credit Builder Loan!

  • Specify a loan amount to borrow; it can be $500, $1,000, $1,500 or more.
  • That amount is placed in your savings account with a hold on it as your loan.
  • The interest rate is based on the lowest rate for our unsecured loans, so you get a great rate even with less than perfect credit.

As you make your monthly payments on time, we report them to the credit bureau to build your positive history. Once the loan is paid off, we release the hold on the amount in your savings account, and it’s yours to do with as you wish. So with one loan you can build your credit and increase your savings. It’s a win-win!

Don’t pay payday lenders’ high rates—get a People’s Federal Credit Union Signature Loan today.

*APR=Annual Percentage Rate. Rate includes all applicable discounts. Loans subject to credit qualifications and approval. Federally insured by NCUA.


FAQ

You can use your personal loan to cover big expenses. We know unexpected expenses are a part of life, so you can use your loan to cover high-priced repairs, including home and auto repairs.

It can cover education costs, travel or vacation expenses, wedding expenses, or even moving costs or medical bills. The loan can provide emergency funds or extra cash as well, without having to use a credit card.

Personal loans are available only to TPFCU members, without the high interest rates other lenders charge.

How do I apply for a personal loan? What information do I need to apply for a signature loan?

Visit our application page and select the type of loan you want to apply for and a type of credit to use. Then provide the requested information, including the loan amount, how long you want to take to repay, and the purpose of your personal loan. Follow each prompt to receive quick approval.

A credit check is required to approve your loan, which can affect your credit score. If you have credit cards, improving your credit ratio and paying your loan on time can improve your credit score.

The amount you can request depends on the type of loan. For our regular signature loans, you can borrow up to $15,000. You can also borrow as little as a few hundred dollars if you need some quick emergency funds.

Our personal loans can be used for anything. Whenever unexpected expenses arise, you can allot the funds as needed, meaning emergency funds will be available.

Once you submit your application, we’ll inform you of our decision as quickly as possible.

To make a minimum monthly payment on your personal loan, register with and log in to our web payment center and submit a payment amount by the monthly due date. You can also arrange for the loan payment to be drafted automatically each month and finally, you can come into the credit union and make a payment at a teller station.

TPFCU offers a Skip A Payment program. It is available by completing an application form and emailing it to our loan department, which will determine if you qualify. There are restrictions and a $25 fee is applied to each loan you skip.

Apply for Your TPFCU Signature Loan Today

A leading provider of personal loans in Texas, we can provide the funds you need to cover unexpected expenses, education expenses, and home improvements. We offer low fixed rates and fast approval. Apply now to get started.

For assistance and to learn about our savings/checking account and auto and home loan options, call us at 806-359-8571 today.