Get cash without using the equity in your home
Apply now for a Members Choice HomePlus Personal Loan to take advantage of low fixed interest rates, no closing fees, and loyalty discount options.

Get Your Funds Fast
Unsecured loans up to $30,000 and you’ll have the cash you need. Application approvals made within 24 hours.*

No Collateral Required
If you’ve been in your home for more than a year, take advantage of your equity without using it as collateral.
Take Advantage of Homeownership
with a HomePlus Personal Loan
If you need a quick loan solution for debt consolidation, home repairs or other personal funds, a HomePlus Personal Loan** rewards you for home ownership without adding a lien on your current home. You can get from $10,000 to $30,000 of cash without the fees and expense of home equity closing costs.
No Expensive Closing Cost – No Payments for 90 Days
- Get rewarded for the stability of homeownership without the expensive closing costs, or lien, from a traditional home equity loan.
- You’ll have the option to defer payments for the first 90 days.
Loyalty Rate Discount Options
As a Members Choice member, you can qualify for up to 1.50% in rate discounts:
- .75% for 15-year homeownership (.25% for every 5 years)
- .25% for a mortgage with MCCU, .25% for an auto loan with MCCU
- .25% for an automatic loan payment transfer from a MCCU checking account
Compare Personal Loan Options
**For homeowners. Certain tax benefits may not apply. You should consult your tax advisor for information regarding the deductibility of interest and charges.
Start off with an estimated rate quote – No credit pull required
Fill out the short form below to hear from a Loan Officer within the next business day.
Ready to get your personal loan started?
Our local team of loan officers can work with you to find the best options for your personal loan.
Apply Online
Call us at 281.754.1470 to ask questions or start a loan application by phone.
Personal Loan Resources
Personal Loan Rates
Check our current competitive rates for personal loans. View Loan Rates
Debt Consolidation Calculator
Determine if debt consolidation is right for you. View Our Debt Calculator
Loan & Credit Line Payment Calculator
Find out exactly how to get to the payment you need. Get Your Payment
Line of Credit Payoff
Find out what it takes to payoff a line of credit. Run the Numbers
Disclosures
*24 hours is based on normal business hours. If application is received during business hours. Weekend applications get processed the following business day. Some variances may occur. HomePlus Personal Loan dollar ranges are between $10,000 and $30,000.
**For homeowners. Certain tax benefits may not apply. You should consult your tax advisor for information regarding the deductibility of interest and charges.
If not currently a Members Choice member, a $5 deposit is needed to establish membership. All memberships are subject to approval including credit approval.