Back-to-School Personal Loans in Texas
Get 1% APR off Your Qualified Rate with a Back-to-School Personal Loan¹
Must use promo code: SCHOOL when applying
Affordable Back-to-School Financing
Whether you're preparing for college, buying classroom supplies, replacing a laptop, or covering unexpected education expenses, a Back-to-School Personal Loan can help you spread out costs with affordable monthly payments.
For a limited time, qualifying borrowers can save 1% APR off their qualified rate, making it even easier to prepare for the school year. With rates as low as 7.14% APR*, flexible terms, and a fast online application, Neighborhood Credit Union helps Texans finance education expenses with confidence.
Why Choose Neighborhood Credit Union?
Apply Online in Under 10 Minutes
Flexible Term Lengths
Quick Reviews and Fast Decisions
Local Experts Every Step of the Way
What Can a Back-to-School Personal Loan Help Cover?
Whether you're buying school supplies, a new laptop, paying tuition, covering transportation costs, or preparing for other back-to-school expenses, a Back-to-School Personal Loan can help you spread out costs with predictable monthly payments. For a limited time, qualifying borrowers can also receive 1% off their qualified rate, making it even more affordable to prepare for the school year.
Personal Loan Rates
*Rates Effective: February 24, 2025.
| Term | Rate* |
|---|---|
| Unsecured Line of Credit | |
| 36 months or Less | As low as 12.99% APR |
| Unsecured Personal Loans | |
| 36 months or less | As low as 7.14% APR |
| 37-60 months | As low as 7.64% APR |
Must use promo code SCHOOL when applying
¹Loan application and credit approval required. Must be 18 years or older to participate. Loan term is 12 months. Minimum loan amount is $2,000. Interest begins accruing the day the loan is funded. Qualified eligible members with a funded back to school personal loan will receive 1.00% APR off their qualified rate. Promo code SCHOOL required. Final APR cannot be lower than lowest personal loan rate advertised on myncu.com/rates. Offer expires 09/30/2026 at 11:59pm CT. Equal Opportunity Lender.
Refer a Friend, Earn $200 Cash
Through our Loan Referral Program, when you refer a new or existing member to Neighborhood CU for an Auto loan, you can earn $200!
Explore Neighborhood Credit Union Perks
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| Surcharge-Free ATMs |
Courtesy Pay | Refer Friends, Get Rewarded |
|---|---|---|
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The MoneyPass and Allpoint ATM Networks allows our members the ability to withdraw cash at over 90,000 ATMs nationwide without a surcharge fee.
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Protect your checking account with overdraft protection! Opt-in for the Courtesy Pay privilege for ATM and debit transactions.
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Whenever you refer family or friends who do not have a membership with us, you'll receive up to $200.00.*
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| Mobile Wallet |
Send Money with Zelle® | GreenPath Financial Wellness |
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Use your Neighborhood CU debit and credit cards to pay digitally on your devices with Apple Pay, Samsung Pay, Google Pay, and more.
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Zelle is a fast, safe and easy way to send and request money. Funds are sent directly to an account, and all you need is the recipient's email or U.S. cell number.
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With free access to money management and financial education services, GreenPath is a non-profit that partners with you to achieve your financial goals.
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§APY = Annual percentage yield
*Domestic ATM withdrawal fees incurred during Qualification Cycle in which qualifications were met will be reimbursed and credited to account on the last day of Monthly Statement Cycle.
Frequently Asked Questions
Joining a credit union is easier than you think! There are several ways you're able to become a member, and you even qualify simply if you have a family member that does.
You're eligible if you live in the state of Texas!
You don't give up anything when you switch from a big bank, either. We offer several online & mobile services(Opens in a new Window)(Opens in a new Window) and convenience services(Opens in a new Window)(Opens in a new Window), including online banking, the MyNCU Mobile App for iOS and Android, mobile check deposit, courtesy pay, and more. Not only are we a fully digital credit union, but we have several locations in the DFW Metroplex(Opens in a new Window)(Opens in a new Window).
The promotion is available to qualified borrowers who are approved for and fund a Back-to-School Personal Loan with Neighborhood Credit Union. Applicants must be at least 18 years old and meet our credit approval requirements.
Qualified borrowers will receive 1.00% APR off their qualified personal loan rate. The final APR cannot be lower than Neighborhood Credit Union's lowest advertised personal loan rate.
The minimum loan amount is $2,000, and the loan term is 12 months. Interest begins accruing on the day the loan is funded.
The promotional offer expires September 30, 2026, at 11:59 p.m. CT. Applications and funded loans must meet all promotional requirements before the offer expires.
Why Neighborhood Credit Union is a great choice for checking, savings, and loans.
With over 96 years of experience, Neighborhood Credit Union knows how to help people reach their financial goals.
We now have several branches across the DFW Metroplex. We proudly provide our members with customized savings accounts and competitive rates.
As a not-for-profit, we pass savings on to you through greater returns. We also invest in technology to offer a top-of-the-class online and mobile banking experience. You can manage your accounts easily through online banking or our mobile app for iOS or Android.
At Neighborhood Credit Union, we’re committed to guiding you every step of the way toward financial security.
