Emergency Loans | Get the Cash You Need FAST

Get relief from life’s unexpected curveballs with emergency loans that cover all the basics.

Life is full of the unexpected. That’s why the team at Greater Texas Credit Union is committed to offering emergency loans that care for and protect your bottom line amid tragedy or unanticipated events.

Unlike other types of loans, emergency loans are specifically geared toward events that happen suddenly or unexpectedly. Our one-time emergency payment loans may be used under specific circumstances such as:

  • A death in your immediate family
  • Unforeseen or unexpected auto repairs
  • Medical bills that will affect your career and livelihood
  • Catastrophic disasters to your health, home, or family

At Greater Texas Credit Union, our emergency loans can be quickly applied for and dispersed, with term lengths matched to fit your needs. Additional loan benefits may include:

  • Financial security after the death of loved ones
  • Capital for covering unexpected medical bills
  • Funds reserved for end of life costs

For rates, approval, and other factors, please reach out to our Loan Department at (512) 458-2558, or get started with your application by clicking the button below.

Apply Online

What to Expect When You Apply


Fill out our online application
or apply at your local branch.

Officer Review

A decision will be made
in one business day.


Sign loan documents via
email or in person.

Emergency Loan FAQ

Q: What are the rates and terms of emergency loans?
A: Emergency loans from Greater Texas Credit Union may come with rates as low as 5.99%* APR. Specific term lengths and additional considerations may be discussed over the phone with one of our experienced loan officers.

Q: Are there any fees if I am late on my emergency loan payments?
A: If your emergency loan payment is more than 10 days late, you will owe an extra 20% of the interest due on your payment. The minimum charge will be $0.05, while the maximum may be up to $100.00.

Q: How often can I apply for an emergency loan?
A: Emergency loans are limited to one approval in a twelve-month period. If you require additional funding, you may investigate other personal lending options such as our Helping Hand loan.

Apply Online

*Annual Percentage Rate (APR)
The APR you receive for the subaccounts (except Share Secured, Stock Secured, and Certificate Secured) will be within the range disclosed above and is based on your credit worthiness. Ask the credit union for the rate you qualify to receive.