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Emergency Loan

An Emergency Loan can help make the worst moments in life a little easier. At Greater Texas Credit Union, we offer Emergency Loans at great rates to our valued members – no collateral needed. Our Emergency Loan is available to you in difficult situations, including a death in your immediate family, an auto breakdown, a medical situation that's affecting your livelihood, and catastrophic disasters. Emergency Loan benefits include:

The Loan Amount You Need

Borrow what you need, no collateral required.

Get Cash With No Waiting Time

Take care of the situation right away so you can focus on what matters.

Convenient 10-Month Term

Make use of one emergency loan per 12-month period.

Fixed Rates and Fewer Fees

Get a low APR,* no origination fee, and no fee to pay your loan off early.

Emergency Loan Interest Rates

Best For Borrowers facing certain difficult life situations.
Interest Rate As low as 7.49% APR*
Terms 10 months
Fees None
Type Unsecured Loan, Fixed Rate

Apply Now

Why Finance With Greater Texas Credit Union

When you join a credit union, you’re joining a not-for-profit member-owned financial institution.

Greater Texas Credit Union is a cooperative, and our members all have something in common. Whether it’s where we work, go to school, worship, or the professional association to which we belong – we all have an equal say, no matter how many shares we have.

How You Can Use Your Emergency Loan

Emergency Loans are designed to help you in specific situations, including:

Vehicle Repairs

You never know when your car will break down and we know you can't go without it.

Death in Your Immediate Family

A stressful time might be a tiny bit easier if you're not worrying about the expenses.

Medical Expenses

An emergency loan can cover your medical expenses if your livelihood is at stake.

Major Disasters

Floods, fires, earthquakes and other catastrophes may mean you need extra cash.

We'll Help You Get an Emergency Loan ASAP.



Apply Online

Just gather your personal and financial details and fill out our online application



Quick Decision

A loan officer will review your application and let you know if you're approved.




Once approved, you can sign loan documents via email or in person.

Get Started

Emergency Loan FAQ

  • Membership is required to qualify for our products and services. Fortunately, if you’re eligible for membership, joining is easy: a $5 minimum deposit in an account.

    Greater Texas Federal Credit Union membership comes with a range of benefits and discounts, as well as special access to various insurance and tax products and services.

  • You can become a Greater Texas Credit Union member if you live, work, worship or go to school in portions of the following counties:

    • Brazos
    • Bastrop
    • Dallas
    • Harris
    • Hays
    • Hidalgo
    • Bexar
    • Tarrant
    • Travis

    Also eligible for membership are businesses and other legal entities located in portions of these counties, as well as employees, faculties, and staff of the following educational institutions:

    • Texas A&M University
    • Texas State University
    • Bastrop ISD
    • Elgin ISD
    • Hays Consolidated ISD
    • Leander ISD
    • Northwest Lineman College

    Membership is also open to immediate family member(s) of individuals who are eligible to join, or if someone in your household is eligible to join.

    We define "household" as those individuals living in the same residence, maintaining a single economic unit. This can mean any permanent member who participates in the maintenance of the household (i.e. family members, domestic partners, foster children, legal guardians, and roommates).

  • When it comes to Greater Texas Credit Union emergency loans, rates may be as low as 7.49%* APR.

    For answers about specific term lengths and any additional considerations, you can consult with one of our experienced loan officers.

  • Your individual loan rate will vary based on your credit and payment history. Borrowers who qualify for the lowest rate will have a better credit score than borrowers with less credit or lower scores. If you’re thinking of taking out a loan, be advised that a history of full, on-time payments tends to affect your credit score for the better.

    As for paying off the principal, your monthly payment amount will depend on how much you borrow.

    To determine how much your loan payment might be or how long it might take to pay off your loan, use our loan payment calculator and loan payment amount calculator.

  • Absolutely. One of the benefits of borrowing through a credit union is that we’re invested in your success. When one member thrives, every member wins.

    In addition to our personalized customer service, we also offer financial education resources, including our library of articles and free personal financial coaching through KOFE.

  • Yes! We offer online and mobile banking for your convenience.

    Our digital banking services help you manage your accounts, make payments, transfer funds, and more. We also offer budgeting tools, a branch locator feature, and other resources. Set up automatic payments so that you don’t have to worry about missing a payment.

    You can also sign up to receive automated accounts with alerts about your account, as well as secure eStatements, with the ability to view up to twelve months’ worth of past statements online.

    In addition to online payments, you can pay in person at any branch, mail in your payments, or you can make payments over the phone for a $10 convenience fee.

  • We offer a range of financial products and services, including a variety of checking and savings accounts. The accounts available to eligible members include:

    • Free Checking
    • Student Checking
    • Essential Checking
    • Business Checking
    • Teen Checking
    • Gold Star Checking Club
    • Regular Savings
    • Term Share Certificates
    • Money Market Accounts
    • Christmas Club
    • IRAs
    • Health Savings Accounts
    • Coverdell ESAs

    Our loan offerings include not only personal loans, but credit cards, mortgages, auto and recreational vehicle loans and refinancing, home equity loans and lines of credit, boat and motorcycle loans, private education loans, and business loans.

More Helpful Loan Products

Personal Loan

Take advantage of a low, fixed APR and borrow up to $10,000 for 1 to 60 months. Use the funds for just about anything!

Learn More

Helping Hand Loan

When an unexpected expense or an emergency arises and you don’t have the savings or funds to cover it, this low, fixed-rate loan comes with no waiting period for funding.

Learn More

Share Certificate Loan

Borrow up to 90% of the value of your Share Savings or Term Share Certificate of Deposit (CD) accounts for a loan repayment term of 36 months or longer.

Learn More

Lending Notice

New member applicants may not be eligible for unsecured loan applications for a period of 90 days. All unsecured loan applications may require additional review and verification during the application process.

No loan applications will be considered until membership applications have been completed and all information including identification verified.

*APR = Annual Percentage Rate. Rates range from as low as 7.49% APR up to 18% maximum APR. All loans subject to credit approval. Rate and term to be determined based on creditworthiness. The rate will not increase while the loan is active. Refinancing of existing credit union loans do not qualify. Cannot be combined with any other offer. Credit Union Membership required with a $5 minimum deposit. Some restrictions may apply. Rates and terms are subject to change.

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