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Consumer Loans

UCFCU offers competitive rates on several types of consumer loans (unsecured loans, line-of-credit, used or new auto, recreational vehicle, boats, motorcycles, and farm equipment).

Automobile Loans

We offer financing on new or used cars, trucks, vans, and sport utility vehicles. 

Recreational Loan

We offer financing on new or used recreational vehicles, travel trailers, motorcycles, boats, and much more. We also offer financing on NEW 4-wheelers. 

Farm Equipment

We offer hobby farmer financing for tractors and farm equipment (new and used).

Selfie Loan

Yes, we offer loans to help you get a better selfie. Have you ever considered doing a cosmetic procedure but didn't because you didn't have the money upfront? Now you can get it done with our Selfie Loan! 

Unsecured Personal Loan

Loan amounts vary based on your credit history and annual income. 

Just So Easy Line-of-Credit

Apply for your own Just So Easy Line-of-Credit for additional convenience!

OMG Loan

We offer loans for those unexpected expenses. Your hot water heater just went out, you need new tires, your car is broke down, your AC/Heater Unit went out - RELAX you can apply for our OMG Loan today. 

Credit Builder Loan

Your credit can affect you in many ways! It can affect your ability to get a loan, the interest rate you pay on loans, car insurance, a job and even that rental property. This loan is a $500 share-pledged loan that you repay over a 9-12 month period. The funds are deposited into a restricted savings account and as you make payments the funds from the savings account become available to you. A great way to start a savings plan is to leave these funds in your savings account and add to them as you can. Your payment history will be reported to the credit bureaus, which can impact your credit score. This is not a cash-out loan, it is intended for credit building only. 

How to Apply for a Loan?

UCFCU offers several ways to apply for a loan (in person, by phone, and online). Pre-approval is a great way to make car shopping a lot less hectic! You will like the quick response to your applications! 

Call today to get approved at 931-250-5122. You may also dial 931-484-9433 extension 121, 122, 302, 303, or 105 for loan applications.

All applications are subject to credit approval. Some restrictions apply. For more details talk to a member benefits advisor. 

The Smart Option Student Loan® for Upper Cumberland Federal Credit Union by Sallie Mae®

For borrowers attending degree-granting institutions. Now you can pay for college the smart way with three great repayment options and competitive interest rates! 

This loan is an ideal solution to help you pay for college expenses not covered by scholarships and federal loans. 

The Smart Option Student Loan features and benefits: 

  • Multiple in-school repayment options plus a choice of competitive fixed and variable interest rates providing even more flexibility. 
  • No origination fees and no prepayment penalty 
  • Benefits and an interest rate reduction available 
  • Rates that reward creditworthy borrowers
  • Applying with a creditworthy cosigner may help you qualify
  • 100% US-based Student Loan Specialists

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