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


  • 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


  • No collateral necessary
  • Competitive interest rates
  • Ideal option when you need cash fast
Account Details
  • Competitive rates for 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.

Credit Life & Disability Insurance

You've Made It This Far

Apply for your personal loan today.