Personal Loans

From family vacations and unexpected expenses to consolidating high-interest debt, St. Thomas Credit Union is here to help you move forward. Life doesn't always fit into a neat category; that's why we offer personalized lending solutions with competitive rates and flexible terms, built around your unique budget.

Apply for a Personal Loan View Loan Rates

Why Borrow From St. Thomas Credit Union?

We live by our motto: "Big enough to serve you… small enough to know you!" When you apply for a Personal Loan with us, you're more than a credit score; you're a valued member of our credit union community. As a not-for-profit, federally insured (NCUA) financial cooperative, we return profits to our members instead of shareholders.

  • Competitive Rates: Because we're member-owned, we're able to offer better rates than many traditional banks.

  • Flexible Payback Terms: Work with our friendly loan officers to find a repayment timeline that fits your monthly goals.

  • No Hidden Fees: We disclose all fees and terms upfront, so you always know exactly what you're signing up for.

  • Local Service: Apply, manage, and pay off your loan with a team based right here in Middle Tennessee.

Flexible Personal Loan Options

We offer different ways to borrow based on what you need and how you want to secure your loan.

Personal Signature Loans

Get the funds you need with just your signature. This Unsecured Personal Loan requires no collateral and offers a fixed rate, so your monthly payment never changes.

Debt Consolidation Loans

Simplify your life and save money on interest. If you're juggling multiple high-interest credit cards or outside loans, roll them into one easy, predictable monthly payment to pay down your debt faster.

Share-Secured Loans

Looking to build or rebuild your credit? Borrow against the funds already in your STCU Savings Account to enjoy our lowest available rates while establishing a solid credit history.

Know What You Can Afford

Before you apply, get a clear picture of your loan. Use our free calculators to estimate how much you may qualify to borrow, see your projected monthly payment, and find out how much interest you'll pay over the life of the loan, so you can move forward with confidence.

Use Our Calculators

How to Apply for Your Loan Today

Getting the funds you need is quick and easy.

  1. Become a Member: If you aren't already part of the STCU family, opening an account is your first step.

  2. Submit Your Application: Apply online, by phone at (615) 292-7828, or in person at our Harding Pike branch in Nashville.

  3. Get Approved and Funded: Our local lending team reviews applications quickly. Once approved, we deposit your funds directly into your STCU Checking or Savings Account.

Empower yourself to make smart financial decisions today.

Apply for a Personal Loan Become a Member

Disclosures

  • Application Fee: A $35 loan application fee applies to all consumer loan requests.

  • All loans are subject to credit approval. Membership with St Thomas Credit Union is required. Contact the credit union for full details.