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TIAA Loans

TIAA CREF Annuity Loans

Can You Borrow Against Your TIAA Annuity?

Yes, you can borrow money from your TIAA annuity if allowed by your retirement plan’s rules. If you’re not clear on whether a loan is allowed, you’ll need to log into your account to find out. Your annuity acts as the collateral for the loan.

Can You Repay Your Loan Balance Early?

Yes, you may repay your loan early and without incurring a penalty.

Are TIAA Annuity Loans Taxed?

No, TIAA annuity loans are not taxed as long as they are paid back on time. Failure to repay these loans on time can result in both income tax liability and an early withdrawal penalty for borrowers under 59½ years old. Contact your tax professional to discuss potential tax consequences.

TIAA Cref Contact Information


phone: (800) 842-2252

Can You Sell Your TIAA Annuity?

Yes, you can sell rights to your TIAA annuity. Contact us if you’re interested in receiving a lump sum for your TIAA Cref investment annuity or structured settlement annuity payment rights by completing the form on this page or calling us at (877) 547-3672. Unfortunately, we do not offer annuity loans.