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Making dreams come true is what we do best. With competitive rates, local lending experts and a wide range of financing options, TVFCU can find the perfect personal loan for your unique needs.

We offer competitive rates and flexible terms for lump sum loans and lines of credit. Use savings as collateral to lower your rate — or simply sign on the dotted line. From expensive bills to elective medical procedures and everything in between, let TVFCU help you live the life you love.

  • Call 423-634-LOAN (5626) to apply
  • Competitive rates for a wide variety of personal needs:
    • Vehicle repairs
    • Family vacations
    • Education expenses
    • Personal projects
    • And much more!
  • Secured and unsecured options available
  • Repayment terms customized to fit your unique needs
  • Quick, local Tennessee Valley decision-making and processing
  • Detailed, attentive service from start to finish

The major distinction between secured and unsecured loans is whether or not they require collateral.


  • Secured by funds established with your TVFCU share account
  • Potentially lower rates due by securing with collateral
  • Keep your savings intact and continue to earn dividends
  • Reduce the overall cost of your loan
  • Flexible terms available 


  • Requires nothing but a signature
  • Available to members with a strong credit history
  • Flexible terms available
  • Competitive rates for several ongoing needs
  • Accommodating repayment options tailored to your budget
  • Meet needs as they arise — no need to reapply for separate installments
  • Funds easily available via in-person, online transfers, our interactive teller machines (ITMs), or over the phone
  • Quick, local Tennessee Valley decision-making and processing
  • Detailed, attentive service from start to finish
  • Freedom Funds is an affordable alternative to high-cost payday loans
  • Get the cash you need as soon as you need it
  • Direct deposit into your share account or a Personal Checking Account required
  • Current paystub required with each request for a salary advance
  • $45 annual fee
  • Other conditions may apply

Please view our loan disclosures for important information.

"Great job! You made the process work and went the extra mile! Thanks!" — Merry

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