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Applying for a loan

Before you apply for a TSP loan, please review our booklet, Loans. Be sure to read it thoroughly to make sure you understand all the rules and eligibility restrictions.

Submitting your request

Online requests

  1. Complete your loan application by logging in to My Account. Note: Depending on your marital status, the type of loan you are requesting, and how you want to receive your funds, you may need to take additional steps to submit your application.
  2. If the online tool prompts you to print and submit your loan request, you must open and print the loan agreement package supplied to you, sign and date the form, include any additional required information, and send the completed request to us. You can then upload your submission in My Account, or you can mail or fax us your request according to the instructions on the form.
  3. Submit this request one time only. We will cancel any subsequent request we receive.

Use our Loan Calculator to estimate loan payments based on the amount you want to borrow from your TSP account, the current loan interest rate, and other factors.

Spousal rules

By law, your spouse has certain rights to your TSP account. When requesting a loan, you must indicate if you are married, even if you are separated from your spouse.

Exceptions to the spousal rule may be approved under very limited circumstances. For more information, please refer to Form TSP-16, Exception to Spousal Requirements, (TSP-U-16, for uniformed services members).

Residential loan documentation

When you request a residential loan, you must provide supporting documentation of the costs associated with the purchase or construction of your primary residence, before your loan can be approved.

Documentation requirements

All residential loans

All of your documentation must

Special requirements

In addition to the requirements listed above, some types of primary residences require you to show further documentation.

Cooperative purchase

Purchasing a cooperative requires you to show that you own shares in a cooperative housing corporation.

New home construction purchase

Constructing a new primary residence requires you to show evidence that a complete residence will be constructed, such as:

Mobile home or recreational vehicle purchase

Purchasing a mobile home or recreational vehicle as a primary residence requires you to provide all of the following:

Boat purchase

Purchasing a boat as a primary residence requires you to provide all of the following:

Loan processing

Receiving your money