You asked about lending options

From home equity to credit cards, the variety of lending options may feel complex. We're here to help you evaluate the options and find the best choice for you.

What are my lending options?

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Personal loans

With a personal loan you can consolidate debt, take a dream vacation, or pay off unexpected bills. The application process is simple and there are no upfront fees, origination fees, or prepayment penalties.

And, unlike a home equity loan, personal loans are unsecured, meaning no collateral is needed. Once approved, you get your money in just days and some lenders even offer next-day funding. You then pay a fixed monthly amount for a 3 or 5 year term.

Personal loans can be used for planned and unplanned expenses, such as:
  • Debt consolidation
  • Medical, dental, or legal bills
  • Car and home repairs
  • Moving expenses
  • Wedding expenses
  • Vacations

You can easily complete an application from the comfort of your home or mobile device. Get a free quote in minutes with no impact to your credit score.

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Credit cards

Credit cards are a handy tool used to make purchases online and in stores. Whether buying groceries or planning a vacation, credit cards are a go-to option for numerous consumers – and for good reason. Here’s why:

An increasing number of cards offer rewards, allowing savvy consumers to rake in some nice returns just for making ordinary purchases. Rewards can be redeemed for travel, cash back, gift cards, and more.

Bank airline miles for that dream vacation, or receive cash back for your next shopping spree? The decision is yours. It all depends on what you value, so be sure to do some research to find the best card for you.

If you’re concerned about debt (who isn’t, right?) you should shop around and find cards with a lower annual percentage rate (APR). Look for balance transfer offers or low introductory rate offers to find a good deal.

Secured cards
You can also apply for a secured credit card. These cards are often – though not exclusively – used by those trying to build or repair credit. Here’s how they work: users are typically required to place a refundable security deposit, which becomes a monthly credit limit. This prevents you from spending more than you can afford to pay.

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Home loans

Buying a home is exciting and, let’s face it, complicated. Our team is here to simplify the process and provide solutions for your unique situation. We have competitive rates and comprehensive mortgage solutions.

Here are the types of home loans we offer:
  • Conventional mortgage
  • VA loan
  • FHA (Federal Housing Administration)
  • Buyer Advantage Program
  • Non-prime home loan
  • Jumbo loans
Learn more
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HELOCs and Home improvement loans

Whether you’re ready to tackle a major renovation, or just have some basic repairs you’ve been putting off, there are lots of options to pay for home improvements, including a home equity loan. A TCF home equity line of credit, or HELOC, works much like a credit card; it allows you to tap into your home’s equity to borrow funds up to a certain credit limit (usually on an as needed basis).

A TCF home improvement loan is another option to get the funds you need for your renovations. These loans have a fixed loan amount and term. They offer quick, easy financing for your home improvement projects. We can help you find the right solution for your unique situation.

All loans are subject to credit approval.

Equal Housing Lender

Personal loans are not available in Massachusetts or West Virginia.

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