Personal Loans
New & Used Vehicle Loans
Recreational Vehicle Loan
Signature Loan
Consolidation Loan
Share Secured Loan
Stretch Your Check
New & Used Vehicle Loans
When you're ready for a new auto, truck, or motorcycle-or at least updating to a "new to you" vehicle-come into your credit union. We offer:
- Up to 100% financing
- Competitive Rates
- Flexible Terms-up to 66 months on new vehicles, if loan request is over $20,000
- Extended Term of 72 months on New Vehicles
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Recreational Vehicle Loan
TFCU can finance your recreational vehicle for any season.
- Up to 100% financing available on loans for new snowmobiles, ATVs and Jet Skis
- Campers, trailers, motor homes, and personal watercraft may require a down payment
- Flexible terms
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Signature Loan
Unsecured loans are a great way to afford expensive items while maintaining your monthly budget. Buy that computer, TV, or pay college tuition with a signature loan from Trenton Federal Credit Union.
- Borrow up to $4,000
- 36 month term
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Consolidation Loan
We've been listening to you. We will now be able to offer loans up to $10,000 at 9.99% with a term of 60 months. That will give you a payment of just $213.51 a month. As with all loans, they are subject to Credit Committee Approval.
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Share Secured Loan
Let your current TFCU Share Account continue to earn dividends while your funds secure your loan. Plus, the money can be used to finance anything you want.
- Borrow up to your savings balance
- Flexible terms
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Stretch Your Check
Stretch Your Check is the perfect way to tie you over between paychecks. Based on the rates and fees charged by local payday lending programs, our annual fee and 18% interest rate provide a much cheaper solution to members needing a little extra cash in their wallets. Here's how easy Stretch Your Check is:
- Existing members with direct deposit of their payroll will qualify* immediately for $500 with a $50 annual fee.
- Existing members in good standing without direct deposit will qualify* for $250. After two successful repayment processes, Stretch Your Check can be increased to $500 upon your request.
- New members will be required to have direct deposit and will qualify* for $250. After two successful repayment processes, Stretch Your Check can be increased to $500 upon your request.
- You must pay the entire outstanding balance, plus interest, within 30 days before obtaining another advance.
See our payday lending comparison chart below to see your potential savings.
| Lenders |
Interest |
Loan Amount
|
APR |
Term |
Total Finance Charges |
| Average Traditional Payday Lender |
$15 per $100 borrowed for each 14 day term. |
$500 |
390% |
28 days |
$150 |
| Stretch Your Check |
18% APR $50 per year |
$500 |
18% |
30 days |
$7.40 |
|
With Stretch Your Check, on $500 you save:
(not including yearly enrollment of $50)
|
$142.60 |
*Members must meet loan eligibility requirements.
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