How much could you save?
Consolidate your higher-interest debt from another lender at TCT
Using a Personal Loan from TCT to consolidate credit card debt and other personal loans could substantially lower how much you pay each month. A low fixed-rate personal loan can be easier to manage—and can save you a lot of money. To get started, you can apply today, or complete the form below, or call and request to speak with one of our Member Service Specialists about your refinancing goals. We're here to help you consolidate debt, increase cash flow, and save money.
|Term||APR (Rates as low as)||Monthly Payment per $1,000|
|1 Year (12 month)||7.24%||$86.63|
|3 Year (36 month)||7.24%||$30.99|
|5 Year (60 month)||9.24%||$20.88|
|Minimum Loan Amount = $500 | Maximum Loan Amount = $30,000|
The disclosed rates reflect a .25% discount for automatic payment from payroll deduction or direct transfer from a TCT checking account.
Open the door for more opportunities
Our Credit Builder Loans can help you establish or rebuild credit after being turned down for a loan due to insufficient credit or a low credit score.
Rates to Celebrate!
Holiday and winter expenses can add up fast! Save money this holiday season by avoiding higher-interest credit card debt. A TCT Personal Loan can help stretch your budget with terms available from 1-5 years.
Typically, a debt management plan is set up to pay off 100% of your unsecured debt within five years. Because many creditors agree to lower interest rates, more of your payment goes toward reducing the principal balances, and less is applied towards interest charges. Collection calls and letters will typically stop after 2-3 successful months on the program. This is different than debt settlement. TCT Members have free access to financial counseling from our partner, GreenPath Financial Wellness.
The federal government requires that each of the three national credit-reporting agencies—Experian, Equifax, and TransUnion—gives you a free credit report every year. You can request a free copy of your credit report by visiting AnnualCreditReport.com.
According to the Federal Trade Commission, the only authorized online source is at annualcreditreport.com. Consumers should be aware that there are many sites out there that claim to offer “free” credit reports but often charge you for another product if you accept the report.
To request your credit report by phone, call (877) 322–8228. To request your credit report by mail, write to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. Do not contact the individual credit-reporting agencies.
A Credit Builder Loan or Share-Secured Credit Card are two ways to start building your credit. How it Works: TCT will hold the amount of your credit limit in your account. Your new loan or credit card is reported to the credit bureau(s), along with your payment history and after six months this will help you establish a credit score.
No. The credit bureau does not allow us to give out copies of the report. You can request a free copy of your credit report by visiting AnnualCreditReport.com.