Personal Loans

Get the cash you need for life’s expenses. Rates as low as 7.49%.

Personal loans can play a major role in financing everything life has in store. At Greater Texas Credit Union, we offer unsecured loans (loans without collateral) at great rates to our great members. We can help you consolidate debt, pay for home repair or improvements, finance the vacation of your dreams, and more. Personal loan benefits may include:
  • No collateral required to qualify
  • Fixed rates, fixed terms, and fixed monthly payments
  • No origination fees
  • No prepayment fees
  • Competitive Annual Percentage Rate (APR) for the life of the loan

Personal Loans can be used for a variety of situations including:

  • Debt consolidation
  • Unexpected Household Expenses
  • Vacation
  • Weddings
  • Auto Repairs
  • Medical Expenses
  • Moving
  • Taxes
  • And 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.


What to Expect When You Apply

Document with Table


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

Document with Check Marks

Officer Review

A decision will be made
in one business day.


Sign loan documents via
email or in person.

Signature Loans

A Signature Loan is a type of personal loan, the major distinction being that it does not require collateral backing. Competitive rates make these special, unsecured loans perfect for qualified members planning a vacation getaway, special event or big purchase. The maximum amount you can borrow on a Signature Loan is $10,000 and the loan can be used for any reason. 

Helping Hand Loan


An unexpected expense or an emergency arises and you don’t have the savings or funds to cover it. What do you do? Let Greater Texas and Aggieland Credit Union lend you a Helping Hand. Our Helping Hand Loan is there when you need it most. Previously known as our Merry Money Loan, the Helping Hand Loan is offered year-round and offers rates as low as 7.49%.


Benefits of the Helping Hand Loan:

  • A loan for unexpected expenses
  • Low, fixed rate
  • 10 month repayment
  • Minimum loan amount of $700
  • Maximum loan amount of $2,500
  • No waiting period for funding
  • Members may receive one Helping Hand Loan in a rolling 12 month period

Emergency Loan


Emergency loans are limited to certain situations such as a death in the immediate family, unforeseen auto repairs, medical expenses that affect your livelihood, or catastrophic disasters. An emergency loan is a one-time payment loan and is approved only once in a twelve month period.

For more information on these various loans please contact our Loan Department (512) 458-2558.