Personal Loans in Lindale, TX

View Peronal Loan Options

Life Moves Fast—We Help You Keep Up

When unexpected expenses pop up, you shouldn’t have to put life on hold.

Whether you’re covering medical bills, consolidating debt, or planning a big purchase, Cooperative Teachers Credit Union in Lindale, TX, makes borrowing simple. Our personal loans feature low rates, quick approvals, and friendly, local service, so you can move forward without stress.

Become a Member

Three Installment Loan Options

Choose the personal loan option that best fits your needs—whether you need funds today, want to use your savings as collateral, or are building your credit for the future.

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 Lindale Chooses CTCU for Personal Loans

Get Money Quickly

Apply online or in-branch and enjoy fast approvals—no long waits.

Choose Flexible Options

Find the loan that fits your budget, from unsecured to credit-building.

Protect Your Budget

Add optional payment protection insurance for peace of mind.

Build Toward Your Goals

Borrow now and strengthen your credit for a secure future.

Count on Local Guidance

Work with friendly faces who know Lindale and care about you.

Take the Next Step Today

With flexible loans and a team that truly cares, CTCU helps you handle life’s surprises with confidence.

Use our online calculator to estimate your payments, then apply online, call 903-561-2603, or visit our Lindale branch to get started.

Apply for a Personal Loan