On the Spot Loans

When life happens, we're here for you. Whether you need a little extra cash for groceries, an emergency car repair or you've got more month than money, we've got your back. Apply within online banking or our mobile app today! 1


Need financial assistance quickly? We can help you get the money you need, when you need it most. 


  • Loans up to $2,000 with fixed terms2
    • $200-$500 (6-month term)
    • $501-$2,000 (12-month term)
  • Must be a member for 90 days
  • Must be 18 years or older
  • No credit check
  • Quick loan decision
  • Can be used to build your credit

Good to know: Only one On the Spot Loan can be open at a time. A $20 origination fee applies and can be charged once every 6 months.

Questions? We can help.

Monday - Friday 9AM - 6PM
and Saturday 10AM - 2PM CST



Talk to an Account Specialist
(972) 263-9497




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Get a personalized consultation.


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Exclusive Benefits Include

Fast And Friendly

Time is of the essence. Our experienced lending team can help you get the loan you need with a quick decision.

Easy Online Payments

There's no need to write a monthly check. Just go to your Online Banking page and make timely transfers to your loan account.

Monitor Your Activity

Go online to take a closer look at where your money goes and how you're spending it so you can stay within budget.

Build Your Credit

Making regular, on-time payments on the funds you use helps improve your credit score.

Funds For Anything

Use the money on whatever big plans you have or expenses you want to address.


Find the account that fits you.

Compare Personal Loan Accounts

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General On the Spot Loan FAQs

  1. If you're a CUTX member, log in to online banking and make a payment with a funds transfer.
  2. Make a payment through the payment system.
  3. Pay over phone: Call 972-263-9497, choose option 4 for Member Services ($15 Service Fee is applied to phone payments)
  4. Make an automated payment through Telephone Teller: Call 972-263-9497, choose option 1
On the Spot Loans have a max of $2,000.
In most cases we can fund your loan the same day!
The possibilities are endless – education costs, everyday purchases, covering expenses during an emergency. We can help you figure out the best solution for what you need.
The On the Spot Loan has a fixed 6-month or 12-month term.











Why CUTX?

I’ve been a member for almost 30 years, I can’t imagine banking anywhere else. You’re more than another account at CUTX, you’re a member, you’re a family.
Elsa H.
The stuff, loan team and customer service were very helpful throughout my car loan process. Credit Union of Texas was able to offer me the best rate available for my vehicle. I would highly recommended CUTX to all of my friends and family.
Abebe A.

Friendly and attentive staff. Paydays come early and the fact that they care for the little guys is definitely my favorite thing about this bank. Definitely the go-to-spot if you’re interested in growing your financial reach.

Xavier H.

We're Here To Help

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We have several locations in DFW and East Texas. Come see us!

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1Message and data rates may apply.

2Terms and conditions may apply. Membership and enrollment into Online Banking is required. Must be a member of Credit Union of Texas for a minimum of 3 months and in good standing. Applications must be submitted through Online Banking. Only one On the Spot Loan can be open at one time.