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LifeCU Mobile

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LifeCU Mobile

Free - On the App Store

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.

Apply Online
  • 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 12.49% to 17.99%

    *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.

    Homeowners Advantage Loan Payment Example: For a $20,000 loan for a term of 6 years with a 11.99% APR, the monthly payment will be $390.94. Taxes and insurance premiums are not included in the payment, and the actual payment obligation may be greater.

  • Personal Property Loan Calculator

    Loan Payment Calculator

  • Frequently Asked Questions

    • 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,
      Christa: 615-230-5433, ext. 5439,
      Cristy: 615-230-5433, ext. 3236,
Get approved fast

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

Apply Online
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