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Personal Loans

Fund Your Goals With Confidence

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We’re Here When Life Happens

Whether you’re covering an unexpected expense, making a big purchase, consolidating debt, or working toward your financial goals, a personal loan from KTVAECU® can give you the flexibility you need, with local service you can count on.

  • Simple: Apply online, by phone, or in person.
  • Fast: Get your decision quickly. We process loans in-house, so you often get an answer the same day you apply.
  • Flexible: Choose the payment option that fits your life so you can focus on what’s next.
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Find the Right Personal Loan for You

Everyone’s financial situation is different. That’s why we offer several personal loan options designed to help you borrow, build credit, or access funds when you need them.

Grow Money

Signature Loans12

Handle big purchases, unexpected expenses, vacations, furniture, car repairs, and more with one simple loan. Borrow all the funds at once and pay them back over a predetermined period of time. Signature Loans are unsecured personal loans, so you don’t need to have matching funds or collateral. Approval and limits are based on credit score and financial history.

Apply for a Signature Loan

Are you a KTVAECU Member?

Yes, Apply in Digital Banking
No, Start Application
Credit Score Meter

Credit Builder Loans3

Building or rebuilding your credit? A Credit Builder Loan can help you establish a positive payment history while building your savings. With KTVAECU Credit Builder Loan, borrow up to $3,000.00 at a competitive rate of 2.15% APR*. Each time you make an on-time payment, the amount minus the interest charged becomes available to you in your account.

Apply for a Credit Builder Loan
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Share Secured Loans4

Build your credit score while you keep your money safe. Share Secured Loans let you borrow against funds already in your account. It’s a secure, low-risk way to grow your credit and your savings. You pledge a matching amount of funds in your account. We put these funds on hold and provide you a loan for the amount. As you repay your loan, the paid amount (minus interest) becomes available in your account.

Apply for a Share Secured Loan

Ways to Make a Payment

Pay the way that works best for you. Use digital banking, pay over the phone, or pay in person. You may even skip a payment if you need flexibility.

  • Digital banking: Log in to your digital banking profile to manage your loan payments on the go.
  • Find a branch: Pay in person at any branch.
  • Telephone banking: Call us to pay over the phone. Charges may apply.
Make-A-Payment
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Skip-A-Payment5

Need a little extra financial flexibility this month? Skip-A-Payment lets eligible Members skip a monthly loan payment for holidays or unexpected expenses after making at least three payments on their loan. A $35.00 fee applies for each skipped payment.

Learn More about Skip-A-Payment
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Personal Loans FAQs

Can’t find your question about personal loans? Contact Us

Personal loans can be used for a variety of expenses, including large purchases, unexpected expenses, vacations, furniture, car repairs, and more.

A Signature Loan is an unsecured personal loan, meaning you don’t need to provide collateral. Approval and loan limits are based on factors such as creditworthiness and financial history.

You can apply online, contact KTVAECU by phone, or visit a branch.

A personal loan may be used to consolidate certain debts. Contact us to discuss your options and determine whether a personal loan is right for your situation.

Loan amounts and approval are based on your individual financial circumstances, creditworthiness, and applicable lending guidelines.

Yes. Debt protection with TruStage™ can be added anytime during the life of the loan and can offer peace of mind for yourself and your family members. For more information or to add Payment Protection, call us at (865) 544-5400.

In your time of need, our claims process is quick and easy. If you elected payment protection on your loan, you can use this convenient claims process to quickly and easily file your claim.

Call 1(844)707-4964 to begin the process, and a TruStage™ Claims Specialist will guide you through the process.

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Disclosures

  1. APR = Annual Percentage Rate. Some restrictions may apply. Published rates are the lowest rates available for each loan type. Your rate may vary, based on creditworthiness, amount financed, and loan terms. Ask for details. The APR may increase or decrease during the term of the loan based on changes in an interest rate index. The index is the 24-month certificate account rate paid by the Credit Union on the last day of the previous calendar quarter plus a spread determined internally by the Credit Union. Any increase in APR will result in more payments. Rate subject to change. Rate can change after consummation. Payment per $1,000.00 is for example purposes.

  2. APR = Annual Percentage Rate. Some restrictions may apply. Published rates are the lowest rates available for each loan type. Your rate may vary, based on creditworthiness, amount financed, and loan terms. Ask for details. Payment per $1,000.00 is for example purposes.

  3. *APR = Annual Percentage Rate. Terms up to 36 months. Minimum payment $25.00 per month. Rates subject to change. Rate can change after consummation. Membership must be 90 days or older to qualify. Some restrictions may apply. Ask for details. Payment example for Regular Share Account: 36 monthly payments at 2.15% APR is $28.71 monthly payment per $1,000.00 borrowed.

  4. APR = Annual Percentage Rate. The APR may increase or decrease during the term of this loan based on the changes in an interest rate index. The index is the dividend rate or current earnings rate paid on the account on the date of the advance plus 2.00%, up to the maximum APR of 18.00% or the maximum rate allowed by the law. Any increase in APR will result in more payments. Rate subject to change. Rate can change after consummation. Payment per $1,000.00 is for example purposes.

  5. Skip-A-Payment is not valid on real estate loans, business loans, line-of-credit loans, or credit cards. $35.00 fee applies to each skip-a-payment. All qualifying loans must be current and in good standing. Maximum number of 2 skips are allowed per rolling 12-month period. Back-to-back skips are allowed if qualifications are met. Ineligible loans will not be deferred. Credit Union will not be responsible for any payments, deposits, or other communications of forms lost in the mail. Skip-A-Payment is subject to Credit Union approval. By utilizing Skip-A-Payment, you acknowledge that KTVAECU will be extending your loan and final payment by one month on each loan designated. Interest will continue to accrue on your loan during the month that you skip your payment. If a GAP Waiver insurance policy was purchased at the origination or during the course of the loan, doing any Skip-A-Payment may have an adverse impact as to how a GAP claim is paid by the GAP insurance carrier. The Credit Union will not be liable for any denial of GAP benefits created by Skip-A-Payment products.