Personal Loans and Lines of Credit

At various times in our lives, most of us find it necessary to borrow money. At HEBFCU, we can help you take advantage of special opportunities or take care of unexpected expenses.

You have two ways to borrow from HEBFCU; a Line of Credit or a Personal Loan. Select the loan type that best suits your needs.

Personal Loans

If you need funds for a vacation, special event or purchase, debt consolidation, taxes or an almost unlimited number of uses, select a Personal Loan. When you know exactly how much you want to borrow, a Personal Loan will give you your funds in a lump sum, and your payments and term will be set for the life of your loan.

Your benefits:

  • Competitive rates
  • Quick application
  • Choose the term, 24 or 48 months
  • Receive your funds in a lump sum to use immediately
  • Easy-to-budget payments will be the same each time
  • Select automatic payments for convenience

Lines of Credit

When you are approved, this unsecured, revolving credit line is ready whenever you are. A Line of Credit provides flexibility and is a great choice if your expenses will be staggered over a period of time. A Line of Credit also arms you with a cash reserve when the unexpected occurs for repairs, medical expenses or Overdraft Protection, for example.

Your benefits:

  • Competitive rates
  • Quick application
  • Flexibility to take out only the funds you need whenever you need them
  • Borrow again and again – up to your approved limit – without spending the time to re-apply
  • Easy access to your credit line
    • Transfer funds with NetBranch Online or our mobile app
    • Call 210.938.7850 or text 210.938.7860
    • Make an advance at HEBFCU or a Shared Service Center
  • Choose from various payment options – pay the minimum amount due each month, your entire balance or any amount in-between that fits your budget
  • Select automatic payments for convenience

All loans subject to approval. Rates and terms subject to change. Membership required.