Lending Services

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 - Apply Today

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

Recreational Loan - Apply Today

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 - Apply Today

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 - Apply Today

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

Just So Easy Line-of-Credit - Apply Today

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

OMG Loan - Apply Today

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/Heating Unit went out – RELAX you can apply for our OMG Loan today.

Credit Builder Loan – Apply Today

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 931-484-9433, ext 120. Other phone extensions for loan applications are extensions 121, 122, 123, 124, and 105.

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

Home & Land Loans

Call 931-484-9433, extension 105 or extension 124 for details on financing a home, mobile home, farm land, building lot, or acreage. UCFCU offers a wide range of options (terms and down payment) so tell us your goals and let us help you achieve those goals!

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.

To learn more or to apply, please get started here.

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
To learn more, please get started here.


Save/Invest save/invest!

Upper Cumberland Federal Credit Union is federally insured by the National Credit Union Administration.
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Routing #264182337
NCUA EHL America's Credit Unions