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Life Credit Union

Homeowner Advantage Loan

What's missing in your life?

Fund those big home repairs and upgrades, or maybe a scenic escape is what you need.

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  • No hiccups, no hassle

    If you own your home but don’t have a ton of equity just yet, you can still borrow the money you need with a Homeowner Advantage loan — no collateral required.

    Whether it’s for a vacation or renovation, how you spend the money is up to you.

    As long as you have a good, solid credit history and a home in your name, you can make the most of our Homeowner Advantage Loan.

    • Borrow as much as $40,000 or as little as $5,000.
    • Set your payment term for any length of time, up to 10 years.

  • Homeowners Advantage Loan Rates

    Annual Percentage Rate (APR)
    Homeowners Advantage Loan 11.49% to 17.49%

    *APR = Annual Percentage Rate. The APR you receive for advances will be within the range disclosed above and is based on the member's credit history. Not all members will qualify for the best or lowest rate and the credit union will evaluate your credit history at the time of every advance. No Equity Required. All loans are subject to approval. Rates, terms, and conditions are subject to change.

  • Personal Property Loan Calculator

    Loan Payment Calculator

  • Frequently Asked Questions

    • Life CU offers Skip-A-Pay, which is a flexible way to skip a payment on auto and personal loans.  You can participate in Skip-A-Pay once a year, for any month you choose! You decide when you need it the most. For a small per loan fee, you can participate in Skip-A-Pay for the month of your choice and an entire month’s worth of payments on the selected loan(s)* will be skipped—with no penalty! Your interest will continue to accrue and the loan will be extended, but all other terms and conditions remain the same. Get started with Skip-A-Pay
    • You can now apply online through our virtual online banking tool.

      There is a $35.00 loan processing fee due when you apply for a loan.

      If you do not have access to online banking, please contact us by phone or email to request a loan application, or come into one of our branches:

      Pat: 615-230-5433, ext. 2037, pat@lifecu.org
      Christa: 615-230-5433, ext. 5439, christa@lifecu.org
      Cristy: 615-230-5433, ext. 3236, cristy@lifecu.org
Get approved fast

You don't have to fill out a mile-long application to buy something you love.

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