What is a Share Secured Loan?
A Share Secure Loan can offer a lower rate than other types of loans because it uses funds in your savings account – either a share account or a share certificate account – as collateral for your loan. With a Share Secured Loan, funds can be used for virtually anything. Share Secured Loans can be a great option for establishing or improving your credit score.
Share Secured Visa Credit Card
If you're looking to improve your credit score or build your credit history, a TCT Share Secured Visa® can help.
VISA® Platinum Credit Card
Not all cards are created equal. We think ours is pretty great, and we think you will too. No annual fee, No balance transfer fee, Cashback Rewards, and Fixed low rates – means your rate won't go up.
If you're delinquent in your loan payments — or expect to be — the best thing to do is to contact us right away.
While it can be stressful and overwhelming to contact your lender(s), early communication puts you in a positive light. Foreclosure or repossession is very costly for a lender, and we would generally prefer to help you get back on track to keep your home or vehicle. When contacting your lender(s) be honest. Describe your situation and know how much money you have available to make payments – do not agree to a payment that is not feasible with your current budget.
As a member of TCT, you can take advantage of the GreenPath Financial Wellness program, a free financial education, and counseling program.
No. You do not have to be a member to apply for a loan. However, you must become a member to close on a loan.