You can also call us at 512-477-9465 to start the application process.
Loan vs. Line of Credit
Loans and lines of credit each offer unique benefits. Find out which type of financing will help you carry out your plans best.
| Features | Personal Loan | Personal Line of Credit |
|---|---|---|
| Funds available in simple lump sum | Yes | No |
| Funds available anytime without reapplying | No | Yes |
| Revolving credit – as principal is repaid, more becomes available for use | No | Yes |
| Ideal for short-term or one-time needs | Yes | No |
| Ideal for ongoing or seasonal needs | No | Yes |
Secured vs. Unsecured
Secured
- Use your Capitol Credit Union savings or certificate of deposit as collateral
- Enjoy lower interest rates
- Secured savings continue to earn dividends
- Safe, simple way to build your credit
Unsecured
- No collateral necessary
- Competitive interest rates
- Ideal option when you need cash fast
Account Details
- Competitive rates for a wide variety of personal needs:
- Vehicle repairs or updates
- Family vacation
- Education expenses
- Personal projects or startups
- And more
- Secured and unsecured options available
- Term loan and line of credit options available
- Repayment terms customized to fit your needs
- Local Central Texas decision-making and processing
- Attentive, friendly service from start to finish
Protect Your Loved Ones from Debt
Capitol Credit Union Credit Life & Disability Insurance provides peace of mind — for you and your family — in the event you cannot pay off your loan.
