Root Menu Subpage Group A Town & Country Credit Union unsecured loan can help pay for home improvements, a vacation, college tuition or an unexpected tax bill. No collateral necessary Fast approval and closing so you have the money you need right away Affordable payments Low fixed interest rate that will not change over the term of the loan Or a low variable interest rate that falls or rises with market rates Convenient branch locations so you can sign papers close to home or apply online Unsecured Loan vs. Line of Credit Unsecured Loan Lump sum of money borrowed at the beginning of the loan and repay in a fixed number of equal payments Low fixed interest rate that will not change over the term of the loan. Line of Credit A reusable line of credit which you can use over and over again as you repay it. Your line of credit stays open until you close it, so the money is there when you need it. Charges no annual fee. Offers flexible payments that decline as your balance is paid back. Low variable interest rate that falls or rises with market rates.