Personal Loans

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Personal Loan

Experience financial flexibility with our affordable loan solutions, providing simplicity and support for your diverse lifestyle and budget. All without the need for collateral.

  • Competitive rates
  • Borrow up to $30,000
  • Flexible repayment terms up to 60 months
  • Member loyalty discount of 0.50% APR
  • Easy application process
  • Personalized service

Secured Personal Loan

Embrace the peace of mind offered by our Secured Personal Loans, leveraging funds in your share account, share certificate, or money market account as collateral for flexible borrowing options.

  • Competitive rates
  • Member loyalty discount of 0.50% APR
  • Flexible terms
  • Fast and efficient loan processing
  • Easy way to build credit

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Member Loyalty Discounts

We believe in rewarding loyalty. That's why eligible membersmay receive a 0.50% APR discount off their approved loan rate.

Eligibility

  • Active checking relationship = An active checking relationship is defined as having an open checking account with a minimum monthly direct deposit of at least $750, active use of online or mobile banking (log in at least once every 90 days), and either debit card usage of at least 10 transactions per month or an active credit card and at least 3 ACH transactions per month.
  • Eligible loans include auto, RV, boat, motorcycle, and signature (personal).

Rates

Account Type
Rate
APY*
Min. Deposit
Min. Balance to Earn
Loan Type
Max. Term
Min. Loan Amount
Max. Financing
APR as low as*
Loan Type
Max. Term
Max. Financing
Rate
APR as low as*
Personal
Max. Term
12 Months
Min. Loan Amount
$500
Max. Financing
$30,000
APR as low as*
10.24%
Max. Term
60 Months
Min. Loan Amount
$1,000
Max. Financing
$30,000
APR as low as*
12.24%
Certificate Secured
Max. Term
Maturity Balloon
Min. Loan Amount
$500
Max. Financing
100%
APR as low as*
2.49%~
Savings Secured
Max. Term
36 Months Balloon
Min. Loan Amount
$500
Max. Financing
100%
APR as low as*
2.99%
Money Market Secured
Max. Term
36 Months Balloon
Min. Loan Amount
$500
Max. Financing
100%
APR as low as*
3.49%
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Frequently Asked Questions

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Start a Balance Transfer
Do you currently have a Telco Visa credit card?
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Not a BR Telco Visa cardholder? No problem!

Before you begin the balance transfer process, let's get a BR Telco Visa credit card opened for you. We offer two great credit cards to fit your lifestyle. Our credit cards feature no annual fees, no balance transfer fees, and practically unbeatable rates. You can begin your online application here.

Visa Gold Credit Card
Visa® Gold
  • Competitive interest rates as low as 9.90% APR
  • Low minimum credit lines -- only $500
  • Pay nothing to save with free balance transfers
  • Get approved in days with easy online applications
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Visa Cash Back Credit Card
Visa® Cash Back
  • Competitive interest rates as low as 13.49% APR
  • 2% cash back on all purchases all the time
  • Pay nothing to save with free balance transfers
  • Get approved in days with easy online applications
Apply NowLearn More
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Complete this short form and we’ll have one of our experts contact you to discuss options.

More Baton Rouge Telco Products & Services

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Disclosures

*APR = Annual Percentage Rate. Rates shown are Telco's current rates and includes a 0.50% discount for members with automatic deduction from a Telco checking account and direct deposit relationship. Terms and conditions apply. Rates are subject to change and depend on various factors including creditworthiness. Your rate may differ.

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‍PERSONAL LOANS‍

Quoted rate of 9.99% APR for 12 months has payments per $1,000 equal to $87.91/month.

Quoted rate of 11.99% APR for 60 months has payments per $1,000 equal to $22.24/month.

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SECURED PERSONAL LOANS

~ Percentage above share certificate rate.

  • Quoted rate of 2.99% APR for 36 months has payments per $1,000 equal to $29.08/month.
  • Quoted rate of 3.49% APR for 36 months has payments per $1,000 equal to $29.30/month.
  • Quoted rate of 7.29% APR for 36 months has payments per $1,000 equal to $31.01/month.
  • Quoted rate of 8.49% APR for 84 months has payments per $1,000 equal to $15.83/month.

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Federally insured by NCUA. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government – National Credit Union Administration (NCUA), a U.S. Government Agency.

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