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LifeCU Mobile

Free - On the App Store


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.

Contact us to get started
  • 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 9.99% to 15.99%

    Assigned rates dependent upon term of loan & credit score of applicant(s).

  • 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,
      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.

Contact us to get started
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