Auto Loans

ESCU offers loans for new and pre-owned vehicles for personal use. Rates for loans are determined by the members’ Equifax credit score. ESCU finances up to 100% of a vehicle’s sticker price if the car is new, or up to 100% of NADA “clean retail” on used vehicles. Additional products, such as Mechanical Breakdown Insurance, Gap Insurance for protecting you against depreciation loss and Credit Life/Disability for protecting your loan are available. Terms up to 84 months are available. Click here to apply for a loan at ESCU, or visit any branch location. Click here to see current loan rates.

Need to make a loan payment?  You can pay in person at any branch, mail your payment to the address below or click here to pay with your credit/debit card.

Payment Mailing Address:

ESCU

P.O. Box 24117

Nashville, TN 37202-4117


Boat, RV, Lawn Equipment, Trailer, ATV, Motorcycle Loans

Member Rates

Loans for boats, recreational vehicles, certain lawn equipment, trailers, ATVs, and motorcycles are available at ESCU. Rates for loans are determined by the members’ Equifax credit score. Credit Life and Disability Loan protection are available. Click here to apply for a loan at ESCU, or visit any branch location. Click here to see current loan rates.

Need to make a loan payment?  You can pay in person at any branch, mail your payment to the address below or click here to pay with your credit/debit card.

Payment Mailing Address:

ESCU

P.O. Box 24117

Nashville, TN 37202-4117


Miscellaneous Loans

We make loans for just about anything, so if you don’t see a loan for your specific need, complete our loan application and tell us what you’re buying.  We’ve got great secured loan rates for all kinds of things, including HVAC systems, lawn equipment, heavy equipment and more.  Get your loan started here.


Mortgage Loans

Loans for purchasing a new home, refinancing an existing home, building a new home or buying land are available from ESCU or from one of our mortgage lending partners.

Loans include:

  • New home purchase up to 30 year terms
  • Refinance – up to 30 year terms
  • Land purchase
  • Fixed Rate Second Mortgages
  • Home Equity Credit Lines
  • Reverse Mortgages

To apply for a mortgage loan, contact an ESCU Loan Officer.


Home Equity Lines of Credit

Home Equity Credit give you access to your home’s equity for home repairs, debt consolidation, tuition and more. Rates are variable. Members may finance up to 95% of their home’s appraised value, minus any other liens. ESCU has flexible terms and low fees. There is a 5 year draw period on the credit line during which the member may withdraw the available loan proceeds. There are no pre-payment penalties with the loan product, so there is no penalty for paying off early or not using the credit line. Payments are based on a 10 year term – fully amortized. Members applying will receive current rate information from the Loan Officer. To apply for a Home Equity Credit Line, contact an ESCU Loan Officer.


Personal/Signature Loans

Personal loans without collateral other than the members’ signature are Signature Loans at ESCU. These smaller loans are great for financing appliances, computers and smaller lawn equipment. There is no minimum balance for a Signature loan. The maximum loan is $12,500. A Christmas Signature Loan is available at special rates from November through December yearly. Click here to apply for a loan at ESCU, or visit any branch location. Click here to see current loan rates.

Need to make a loan payment?  You can pay in person at any branch, mail your payment to the address below or click here to pay with your credit/debit card.

Payment Mailing Address:

ESCU

P.O. Box 24117

Nashville, TN 37202-4117


Emergency Loans

Designed to put cash in your pocket fast, the Emergency Loan from ESCU is a quick cash loan for $250 or $500. Stop by any branch of ESCU for details or to apply.

Need to make a loan payment? You can pay in person at any branch or click here to pay with your credit/debit card


Credit Cards

escu_creditESCU offers Visa Classic, Visa Gold and Visa Platinum Rewards credit cards. An ESCU Visa offers you the kind of great rates you expect from your credit union, without the hidden fees some other card companies charge. Our rates are fixed rates and there are no annual fees on the cards. The Visa Platinum Rewards card offers rewards points that accumulate based on card usage. You can redeem your points online and can choose from merchandise and travel options. Register your ESCU card at www.scorecardrewards.com. To check your ESCU Visa Card balances and access transaction history, log in to www.ezcardinfo.com. Click here to apply for a credit card at ESCU, or visit any branch location.

Misplaced your Card?  Now you can freeze your card instantly to prevent unauthorized transactions with SecurLOCK Equip.  Turn your card’s accessibility on and off yourself, receive alerts each time your card is used, and you can even block certain types of transactions with this mobile app.  To access SecurLOCK Equip, you will need to have an ESCU Credit Card.  You can download the SecurLOCK Equip app free in either the Apple Store or Google Playstore. Get more information about SecurLOCK.  Access the FAQs here.

Credit Card Customer Service Number: 1-800-299-9842


Student Loans

The Smart Option Student Loan® for ESCU 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 fee 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.


Business Loans

It’s not small if it’s your business.

You’ve got the dream; we’ve got the money. At ESCU we offer loans for your business that are backed by the US Small Business Administration program.  That translates into affordable, fair loan rates for your business venture.  SBA loans are available for:

  • For-Profit small business start-ups
  • Existing businesses for equipment, inventory, etc.
  • Franchise purchases

For more information about SBA Loans and how ESCU can help you, contact our SBA Loan Specialist, Sabrina Clarke at (615) 717-8614.

Sabrina Clarke

Sabrina Clarke, ESCU SBA Loan Specialist

SBA Logo

 

 


Skip A Payment

Our Skip A Payment program allows you to skip one loan payment yearly during the specified promotional periods.  Skip a Pay is available for October, November or December of 2016. Download our Skip A Pay form for details.

Skip Payment form