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    Thanks for considering Builders FirstSource and Eastman Credit Union to help bring your home improvement project to life!  Whether your project is driven by a maintenance need or an upgrade to your living space, ECU has a loan option to fit most needs.

    Let's take a look at some loan options to help you find the best fit for your project and needs.
     

    Seasonal Loan: 

    - Loans from $500 to $8,000
    - Terms up to 18 months
    - Interest rates as low as 4.95% APR **

    ** APR refers to Annual Percentage Rate.  The annual percentage rates listed are our best rates.  Your rate may be higher depending on credit history and underwriting criteria.  Certain restrictions may apply.  Payment example $57.76.  Payment example is based on $1,000 for 18 months at 4.95% APR.  To calculate your payment, please use a payment calculator.
     

    APPLY ONLINE NOW

    Speak to an ECU Representative and Apply By Phone:
    (423)578-7664
    (423)578-3583

     

    It's Your Money Loan:

    - Minimum loan amount $500
    - Terms up to 8 years
    - Interest rates as low as 7.95% APR **

    ** APR refers to Annual Percentage Rate.  The annual percentage rates listed are our best rates.  Your rate may be higher depending on credit history and underwriting criteria.  Certain restrictions may apply.  Payment example $24.39.  Payment example is based on $1,000 for 48 months at 7.95% APR.  To calculate your payment, please use a payment calculator.  
     

    APPLY ONLINE NOW

    Speak to an ECU Representative and Apply By Phone:
    (423)578-7664
    (423)578-3583

    *Eastman Credit Union and Builders First Source are not affiliated.  Eastman Credit Union does not share member information under any joint marketing agreements.

     

    Still have questions? Check out our FAQs and Helpful Information section below or use the contact form to share your information and question and we’ll be in touch soon!

     

    FAQs & Helpful Information

    • Which loan is right for my project?

      If you are looking for the best interest rate and short-term financing, a Seasonal Loan may be a good choice.  With a seasonal loan, you can borrow up to $8,000 with a term up to 18 months and the interest rate is lower than with the It’s Your Money Loan.

      If you want a term longer than 18 months for any loan amount of $500 or more, an It’s Your Money Loan may be the best choice.  With an It’s Your Money loan, you can choose terms up to 8 years and still get a great rate!

    • Here are some helpful tips on how to complete your application.

      The first step is choosing which loan is right for your project.  Once you’ve made your decision, you can start the online application by clicking the appropriate button.  This will take you to the ECU online application system.

      Next, choose “Apply Now.”  You will be routed to the Personal Loans page where you will see that the loan you have chosen will be pre-selected for you, noted by the check mark beside the loan.  Click “Continue” to proceed.

      On the next page, you will be asked to select your loan amount, requested term, and tell us about your project.  Choose "BLDR Project" from the dropdown list for your loan description.  Once you’ve completed this section, click ‘Continue” to proceed to the next step.

      The Primary Applicant Information page is where you will enter your personal, employment, and income information.  Once you’ve completed this section, click “Continue” to proceed.

      Now, you will be taken to the “Additional Comments” page.  Please enter “BLDR” in the text box.  That will let us know that you are working with Builders FirstSource so we can route your application to the right department.

      On the next page, you will see your loan selection and click “Confirm” to move to the next step.  You’re almost done!

      The final step is to review the information and click “Submit Application” to complete your loan application.  Once you’ve submitted your application, someone will be in touch to inform you of the status of your application and/or request any additional documentation. 

      Note**  You may be asked to provide a copy of your quote from Builders FirstSource.

    • Do I have to apply online?

      No, you can also apply over the phone or in-person at a branch.  To apply over the phone, call (423)578-7664 or (423)578-3583.

    • How long does it take to get a response on the loan application?

      Once we receive your completed application, you should typically receive a response within an hour, during normal business hours.  Normal business hours are 7:30am to 5:30pm, Monday - Friday EDT.

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