Personal Loans in Tyler, TX

Life Doesn’t Wait—And Neither Should You

When money’s tight, relief can feel out of reach. Whether you're facing an emergency, consolidating debt, or planning a major purchase, not having enough cash on hand can derail your plans.

CTCU offers personal loans—online or in-branch—with straightforward terms and fast access.

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Three Installment Loan Options

Choose the low-interest personal loan that fits your situation best, whether you need cash today, want to leverage your savings, or are ready to build your credit from the ground up.

Personal Loans

Unsecured personal loans for any need—vacations, repairs, emergencies, and more
Fixed rates starting as low as 7.89%
No collateral required—qualify based on your credit and income
No prepayment penalties or application fees
Payment protection insurance available

Apply for a Personal Loan

Share Covered Loans

Use your own CTCU savings as collateral for a low-risk, secured loan
Borrow against your savings without withdrawing funds
Interest rate is just 3% above the dividend rate of your savings
Continue earning dividends on your savings while making loan payments
Flexible repayment terms up to 60 months

Apply for a Share Covered Loan

Credit Builder Loans

Designed to help you establish or rebuild credit
Loan funds are held in a CTCU account and released as you repay
All payments are reported to credit bureaus to build your credit history
Ideal for new borrowers or those working to improve their credit scores
Payment protection insurance available

Apply for a Credit Builder Loan

Terms & Conditions

Why Choose CTCU for Personal Loans?

Get Funds Fast

Quick approvals and convenient online applications mean you won’t be stuck waiting

Choose What Works

From unsecured loans to credit-building solutions, we’ve got flexible options

Protect Your Finances

Optional payment protection insurance helps safeguard your budget

Build Toward the Future

Borrow for now or to improve your credit for the future—we’re here to help

Work with Real Folks

Personal, practical guidance from a friendly team that serves all of East Texas

Take the Next Step Today

With the right loan and the right team behind you, you can move forward with confidence. Use our loan calculator to determine your monthly payments before you apply.

Apply online, over the phone at 903-561-2603, or in person at one of our East Texas branches.

Apply for a Personal Loan