Finance What Matters – Even Without Much Home Equity.

A flexible loan option for homeowners who may not qualify for a traditional home equity loan.

Need money for a home improvement project? Looking to consolidate high-interest debt? Or simply need funds to cover an unexpected expense?

Toro Credit Union has a flexible loan option designed to help you put your homeownership to work—even if you don’t have much home equity.

Rates as Low as

Your Home Can Open the Door to More Financial Options.

Traditional home equity loans aren’t the right fit for everyone. If you own your home but don’t have enough equity to qualify, Toro Credit Union may have another option.

This loan can provide funds for:

🏠 Home Improvements
Update your kitchen, tackle a renovation, make needed repairs, or take on that project you’ve been putting off.

💳 High-Interest Debt Consolidation
Combine higher-interest debt into one loan and potentially save on interest.

💰 Unexpected Expenses
Handle an unexpected expense without putting your financial plans on hold.

Could You Qualify?

You may be eligible if you:

✓ Own your home
✓ Have a credit score of 680 or higher

Maximum loan amount: $30,000

The offer is available to residents of Minnesota, Wisconsin, and Michigan.

A Simple Way to Finance What Matters.

You worked hard to become a homeowner. Now, when you need access to funds, Toro Credit Union can help you explore an option that may fit your situation.

Own your home. Need funds. Let’s talk.

Have Questions?

We’re here to help you understand your options and find the financing that makes sense for you.

APR = Annual Percentage Rate. Borrower must have a credit score of 680 or greater to qualify for rates listed above. Maximum loan amount is $30,000. Offer valid only for residents of Minnesota, Wisconsin, and Michigan. Contact credit union for complete details. Rates and terms are subject to credit approval. Federally insured by the NCUA. Equal Housing Lender.