✦ Trusted Since 1935
Tucson Old Pueblo Loans
For those times that you need funds for uses other than a vehicle or home loan. Perfect for repairs, education, special projects and even vacations.
Personal Loans
Personal Loans
Auto Loans
Auto Loans
Solar Loans
Solar Loans
Home Loans
Home Loans
Motorcycle/Off-Road/ATV Loan
Motorcycle/Off-Road/ATV Loan
Green Loans
Green Loans
Personal Loans
Personal Loans provide fast access to cash.
Thinking about a new project, a big purchase, or a much-needed vacation? You deserve it and we’re here to make it happen!
| Type/Term | APR as low as | Payment for $1,000 Borrowed |
|---|---|---|
| Signature Loans | ||
| 0-36 Months | 10.50%* | $32.50/month |
| 37-60 Months | 10.99%* | $21.74/month |
| 61-78 Months | 11.50%* | $18.26/month |
| Personal Line of Credit | ||
| Open | 11.99%* | 2.83% of outstanding balance, minimum $15 |
APR = Annual Percentage Rate. *Subject to credit approval and includes Member Rewards loan discounts where applicable. Rates are subject to change without notice. Rates are current as of July 16th, 2024.
Auto Loans
Auto Loans for new and used vehicles.
We offer financing for all types of vehicles from cars and trucks to boats and RVs. Let’s get you in the driver’s seat!
| Term | APR as low as | Payment per $1,000 Borrowed |
|---|---|---|
| 0-36 Months | 7.35%* | $29.30/month |
| 37-48 Months | 7.35%* | $22.65/month |
| 49-60 Months | 7.65%* | $18.76/month |
| 61-72 Months | 8.35%* | $16.10/month |
| 73-84 Months | 9.05%* | $14.37/month |
APR = Annual Percentage Rate. *Subject to credit approval based on purchase of new auto. Rates are subject to change without notice. Includes Member Rewards discounts, up to maximum total discount of 0.25%.
Motorcycle/Off-Road/ATV Loan Rates Loans
Our low Motorcycle, ATVs and UTVs Loan rates and flexible terms can help get you on or off the road in no time!
| Term | APR as low as | Payment per $1,000 Borrowed |
|---|---|---|
| 0-36 Months | 8.40%* | $30.33/month |
| 37-48 Months | 8.45%* | $23.44/month |
| 49-60 Months | 8.50%* | $19.29/month |
| 61-72 Months | 9.10%* | $16.67/month |
| 73-84 Months | 9.65%* | $14.85/month |
APR = Annual Percentage Rate. *Subject to credit approval based on purchase of new unit. Rates are subject to change without notice. Includes Member Rewards discounts, up to maximum total discount of 0.25%.
Green Loans
low-cost financing programs for eco-friendly products and services such as energy efficient home renovations and appliances, water harvesting systems, and even bikes and eBikes. Our goal is to help make environmental responsibility affordable.
| Type/Term | APR as low as | Payment per $1,000 Borrowed |
|---|---|---|
| Solar Loan | ||
| 10-Year | 7.49%* | $12.25/month |
| 15-Year | 7.49%* | $9.60/month |
| 20-Year Minimum loan amount of $10,000 |
7.49%* | $8.33/month |
| Energy Efficient Loan | ||
| 5-Year | 7.99%* | $19.34/month |
| 7-Year Minimum loan amount of $10,000 |
8.99%* | $15.09/month |
| 10-Year Minimum loan amount of $25,000 |
9.99%* | $12.13/month |
| Bike Loan | ||
| 2-Year Minimum loan amount of $500 Maximum loan amount of $7,500 |
7.50%* | $45.00/month |
*APR = Annual Percentage Rate. *Subject to credit approval. Rates are current as of July 16th, 2024. . Rates are subject to change without notice.
✦ Personal loans
Loan Resources
Make a Payment
You can make a payment free using online banking or the TOPCU mobile app or via our Payment Portal: https://www.topcu.org/make-a-payment/
Payment Options
Skip a Payment
If you have an TOPCU loan, you may be eligible to skip some payments and use the extra cash for unexpected bills or other expenses.
Members in good standing can skip a regularly scheduled loan payment on a variety of loans and lines of credit. The following loan types are not eligible for Skip-A-Pay:
- Mortgages
- Solar Loans
- Visa Credit Cards
If your loan qualifies, follow these steps to process your Skip-A-Pay request online:
- Login to your TOPCU Online Banking account
- Click on the Accounts Tab and choose “Skip-A-Pay”
- Follow the on-screen instructions to complete your Skip-A-Pay request
Additional Requirements:
- Skip payments are limited to 1 per rolling 11 months
- Maximum of 6 skip payments for the life of a single loan
- You may skip multiple loans at the same time (Note: $30 fee per loan)
- No delinquent accounts
- No charged off accounts
- No loan modifications or extensions
- No loan under bankruptcy protection
- Loan must be at least 90 days old
- $30 fee (per loan) must be paid at time of application
Online Loan Payment Option
Register for our convenient online loan payment option, which costs just $5 per payment. Or downloand the TOPCU app and make payments with no fee.
Credit Life and Credit Disability Insurance
Credit Life and Credit Disability Insurance
Credit Insurance protects you and your family from unforeseen circumstances, including loss of life or an unexpected disability. These “protected events” are difficult to manage and Credit Insurance provides assistance in this time of need. Whether paying off a loan due to a death, or making monthly loan payments, you and and your family are protected. Insure your loan payments today so you can worry a little less about tomorrow.
Auto Loans Valuable Add-On Protections
Guaranteed Asset Protection (GAP)
If your car is totaled/stolen for any reason, the amount of reimbursement you receive from your insurance company may be substantially less than the amount you owe on your car loan. Unless you’re covered by gap insurance, this financial shortfall, or “GAP” could leave you owing thousands of dollars. Ask one of our Member Service Representatives for more information.
Mechanical Repair Coverage (MRC)
The miles can add up but the repair costs don’t have to.
Mechanical Repair Coverage (MRC) protects you from the high cost of mechanical or electrical repairs keeping your vehicle running extra miles and extra years. In addition, MRC also provides comprehensive roadside assistance, nationwide coverage, and the flexibility to choose a repair facility of your choice. With different coverage levels and deductibles to choose, there’s a plan to fit your budget. Ask one of our Member Service Representatives for more information.
Benefits of (MRC) of the program include:
- Good at any authorized repair facility in the U.S. or Canada
- Rental reimbursement: up to $35/day for 1-5 days (1-10 days for parts delay. Available on first day of covered repair.)
- 24-hour emergency roadside assistance: up to $100 per use. Includes towing, battery jump start, fluid delivery, flat tire assistance and lock-out service.
- Travel expense reimbursement: up to $200 per day 1-5 days for food, lodging and rental when a breakdown occurs more than 100 miles from home. (Not available to NY residents.)
- Transferable: to increase resale value. Only if sold privately. Subject to transfer fee.
- Cancelable: receive a full refund within the first 60 days or a pro-rated refund thereafter less an administrative fee.
- No out-of-pocket expense at time of mechanical repair: (except for any deductible and any repairs not covered by the policy) –the covered repair is paid directly to the authorized repair facility.
- Ask about deductible options
Details may vary by state. Ask a Member Services Representative for details or receive a quote by calling us at (520) 881-6262 ext. 702.
Loan Calculators
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