Make 2023 the year you GET PERSONAL and SAVE.

Debt consolidation, paying off bills, covering expected and unexpected expenses, and other needs and wants.

Personal loans with flexible terms. Use a flexible Personal Loan to pay off your high-interest debts, simplify your life, or fund any planned or unexpected expenses, such as appliance and auto repairs, adoption, special events, bucket list vacations and much more. You can also use a personal flex loan for a 12-month fuel loan or a holiday loan. Take charge of your debt with a loan that offers one manageable monthly payment that fits your budget, so you can simplify your life and save more in the future.

We offer loan amounts up to $100,000. Loan terms range from 10 months up to 84 months. And, TCFCU does not charge administration fees on personal loans.

Flex loans also feature:

  • Competitively low rates
  • Discounted rates with automatic payment and other services
  • Flexible terms to fit your budget
  • Apply in minutes – in person, online or over the phone
  • Local, southern Maine decision-making for faster approvals
  • Personalized, friendly service from start to finish and whenever you need it

As your credit score improves, there may be a chance to receive a one-time interest rate reduction on your loan.

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Still have questions? Click here to book a consultation.

Annual Percentage Rates (APR) range from 7.99% Minimum APR to 17.99% Maximum APR based on creditworthiness at time of application for loan terms of 0-84 months. The APR is the cost of credit as a yearly rate. Your loan term will impact your APR, which may be higher than our lowest advertised rate. For example: a 60 month $10,000 loan with 8.99% APR has 60 scheduled monthly payments of $207.60 The estimated total cost of the loan in this example would be $12,451.06. and a 36 month $5,000 loan with 7.99% APR has 36 scheduled monthly payments of $156.70 THE ESTIMATED TOTAL COST OF THE LOAN IN THIS EXAMPLE WOULD BE $5,639.28. Application fee for all personal loans is $0, Town & Country FCU does not charge a fee to apply for personal loans. 
The term, amount and APR of any loan we offer to you will depend on your credit score, income, debt payment obligations, loan amount, credit history and other factors. If offered, your loan agreement will contain specific terms and conditions. Proceeds from the personal loan will be paid out on the day the loan is closed and will be fully disbursed to the agreed upon parties.
Town & Country FCU loans can be repaid at any time without penalty. Town & Country FCU loans have no minimum term and a maximum term of 84 months.
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.
Town & Country FCU does not sell personal loans to a third-party lender.

Come experience what we can do for you.