Use your savings to secure the credit you need without touching your funds.
Borrow against your own savings while continuing to earn dividends with a Share Secured loan. It’s a smart way to build credit, cover unexpected expenses, or fund a purchase, without depleting your hard-earned balance.
Borrow up to 100%
Know exactly how much you can borrow.
Low minimum payment
Minimum payments start as low as $30
Earn dividends
You continue to earn dividends on your savings
Borrow up to 100% of your available share balance
You can borrow an amount equal to the full balance of your share account, minus any deposits that have not yet cleared. This gives you immediate access to funds without reducing your savings. It’s a convenient way to borrow while keeping your money intact and working for you.
Low minimum payments
Minimum monthly payment of just $30
All Share Secured Loans require a minimum monthly payment of $30, regardless of the loan amount. This keeps your repayment plan affordable and consistent.
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1
Complete an application
It takes only a few minutes to fill out the online application.
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2
Get approved
We'll crunch the numbers and let you know if you're approved.
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3
Use the funds
Pay for any expense using the funds from your loan.
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Yes,. On the desktop version of digital banking click the plus sign to take you to the Apply for Loan option.
On mobile, tap the plus sign at the bottom of your screen and then tap Apply for Loan to begin the process.
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Make your LSCU loan payment using another checking account, savings account, or debit card through our secure Online Payment Center. If you are making a payment from your LSCU account, please transfer your payment within digital banking.
Please note: Your payments may not exceed $1,500 per entry. If you would like to setup recurring payment from another financial institution, please give us a call at 214.327.9367.
Have a question? Contact us
Borrowing made more secure
With a Share Secured Loan you can build credit, cover unexpected expenses, or fund a purchase—without depleting your hard-earned balance.
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Must be 18 years or older for any loan at Lone Star Credit Union. Rates subject to change at any time. Loan application and approval required.
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Rates effective as of: July 1, 2025
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