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Helping Hand Loan

A Helping Hand Loan is here for you in those stressful times of need. At Greater Texas Credit Union, we offer Helping Hand Loans at great rates to our valued members – no collateral needed. Our Helping Hand Loans can help you pay for unforeseen expenses like car repairs and medical bills, or give you extra cash to cover regular household costs. Helping Hand Loan benefits include:

Flexible Loan Amounts

Borrow between $700 and $2,500 with no collateral needed.

No Waiting Period for Funding

Get cash faster so you can take care of bills and reduce stress.

10-Month Repayment Term

Quickly get back on your feet with one loan per 12-month period.

Low Rates and Fewer Fees

Enjoy a fixed APR* and pay no origination fees and no prepayment penalties.

Helping Hand Loan Interest Rates

Best For Borrowers who need a fast source of cash
Amount Between $700 and $2,500
Interest Rate As low as 9.49% APR*
Terms 10 months
Fees None
Type Unsecured Loan, Fixed Rate

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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.

Ways to Use Your Helping Hand Loan

Helping Hand Loans can be used to cover any type of expense, including:

Vehicle Repairs

Don't stress if your car breaks down or needs a new tire.

Credit Card Payments

Get on top of payments to avoid hurting your credit.

Medical Bills

Don't stress if your car breaks down or needs a new tire.

Household Expenses

Some months just cost a little more than others.

Getting a Helping Hand Loan Is Fast and Simple.



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

Helping Hand Loan FAQ

  • Do I need to be a member to qualify for a Greater Texas Credit Union personal loan?

    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 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).

  • How much will my monthly loan payment be?

    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.

  • When you consolidate debts, you can sometimes reduce your interest payments and pay off the loans more quickly so you can get out of debt faster.

    If you’re considering debt consolidation, check out our 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

Emergency Loan

Make the hard moments in life a bit easier with a low-interest loan. Available once in a 12-month period for limited qualifying situations.

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 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 9.49% 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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