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Overview
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.
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Rates
Homeowners Advantage Loan Rates
Annual Percentage Rate (APR) Homeowners Advantage Loan 9.99% to 15.99% Assigned rates dependent upon term of loan & credit score of applicant(s).
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Calculator
Personal Property Loan Calculator
Loan Payment Calculator
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Questions
Frequently Asked Questions
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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
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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
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Get approved fast
You don't have to fill out a mile-long application to buy something you love.
Contact us to get started