Personal Loan

Tackle a project. Make a big purchase. Or get through a rough patch. Some extra money can go a long way to making life a little easier.

Give your finances a needed boost. We can tailor an affordable Personal Loan to meet your own very personal circumstances.


  • Loan lengths from six to 60 months* with competitive rates
  • Making on-time payments will help build your credit and improve your score
  • Maximum loan size depends on your credit score, your debt-to-income ratio and other factors
  • Use funds for any purpose - unexpected expenses, education costs, high-priced repairs, home remodeling or major purchases
  • Loans can be secured by the deposits in your savings or certificate of deposit accounts
  • Our Skip-A-Pay policy allows you to skip up to two payments per year

Questions? We can help.

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



Talk to an Account Specialist
972-705-4840




Schedule an appointment


Get a personalized consultation.


Exclusive Benefits Include

Fast And Friendly

Time is of the essence. Our experienced lending team can help you choose the right loan and often process it in one or two days.

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.

Skip-A-Pay

Get some financial breathing room when you need it by skipping a loan payment, as long as you're in good standing.

Find the account that fits you.

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Get a good look at where you are and where you're going next.

Financial Calculators

General Personal Loan FAQs

  1. If you're a CUTX member, log in to online banking and make a payment with a funds transfer.
  2. If you're not a member, use your financial institution to pay via Bill Pay.
  3. Make a payment through Speedpay.
  4. Pay over phone: Call 972-263-9497, choose option 4 for Member Services ($15 Service Fee is applied to phone payments)
  5. Make an automated payment through Telephone Teller: Call 972-263-9497, choose option 1
This depends on several factors – what the loan is for, your credit score, your debt-to-income ratio, and your loan payment history. Each personal loan is unique.
In most cases we can fund your loan the same day!
The possibilities are endless – education costs, home improvement, covering expenses during an emergency. We can help you figure out the best solution for what you need.
Terms differ from loan to loan, too. Loan terms range from as brief as six months to as long as five years. Longer loan periods have lower monthly payments but a larger overall cost with interest. Our loan experts can help you structure a loan that fits your budget and goals.
It's our way of providing you some financial relief when you need it by allowing you to skip up to two payments on a qualified loan per year. "Qualified" means your payments must be up-to-date and you must have made at least four payments prior to skipping. Check out the details of Skip-A-Pay.

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.

Helpful Documents

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*Loans and Rates are subject to credit approval. Rates and terms are subject to change without notice. Additional terms and conditions apply. Payment Example: For $5,000 borrowed for a personal loan over 60 months at 14.24% APR, the monthly payment is approximately $117. This example is an estimate only and assumes all payments are made on time.