Last Updated: 04/18/2025
1st Mississippi FCU Recreational Loans
Unaffiliated
Last Updated: 04/18/2025
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Highlights
Amount Range
N/A
APR (Fixed APR)
6.25% - 9.99%(Verified 08/14/2024)
Credit Score Range
N/A
Loan Term (Months)
36 - 120
1st Mississippi FCU Recreational Loans Review
1st Mississippi FCU Recreational Loans is offered by 1st Mississippi Federal Credit Union, a credit union founded in 1972 and based in Meridian, MS. 1st Mississippi FCU Recreational Loans are available in 50 states, 5 US territories, and Washington, DC.
1st Mississippi FCU Recreational Loans FAQ
What APR does 1st Mississippi FCU Recreational Loans offer on its car loans?
1st Mississippi FCU Recreational Loans offers a fixed apr car loan product that ranges from 6.25% APR up to 9.99% APR.
Your APR can vary depending on several factors, such as your credit score. Find out what your credit score is and whether there is any false or inaccurate information in your credit history with these credit monitoring tools.
What is the maximum auto loan term you can get with 1st Mississippi FCU Recreational Loans?
1st Mississippi FCU Recreational Loans has car loans with terms ranging from 36 to 120 months. Having the option of longer terms -- terms can range up to 144 months -- allows borrowers to take on larger auto loan amounts while keeping monthly payments more affordable. However, the longer the term of your auto loan, the more interest you will pay.
Does 1st Mississippi FCU Recreational Loans charge an origination fee?
Yes, 1st Mississippi FCU Recreational Loans may charge a loan origination fee .
Does 1st Mississippi FCU Recreational Loans charge a late fee?
Yes, 1st Mississippi FCU Recreational Loans charges borrowers with a late payment penatly fee
Does 1st Mississippi FCU Recreational Loans charge prepayment fees?
Yes, 1st Mississippi FCU Recreational Loans does charge borrowers a fee if they pay their loans early. Consider prepayment fees when you choose a lender because prepayment can reduce or even cancel the interest savings of repaying a loan early.
Can I pay off early my 1st Mississippi FCU Recreational Loans loan?
Yes, you can. However, 1st Mississippi FCU Recreational Loans charges a prepayment fee if you pay your car loan early. This fee could reduce or eliminate the savings from paying the car loan early.
What do you need to qualify for 1st Mississippi FCU Recreational Loans?
1st Mississippi FCU Recreational Loans does not require or does not disclose a credit score minimum. The minimum age to be eligible is 18 or the state minimum, whichever is higher. 1st Mississippi FCU Recreational Loans does not have or does not disclose a minimum annual income eligibility requirement.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by 1st Mississippi FCU Recreational Loans.
To qualify, applicants may need to provide the following documentation:
- Driver's license or other government photo ID
- Government issued photo ID
- Proof of identity
Does 1st Mississippi FCU Recreational Loans report your account activity to credit bureaus?
Yes, 1st Mississippi FCU Recreational Loans reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does 1st Mississippi Federal Credit Union perform a hard credit pull?
Yes, 1st Mississippi FCU Recreational Loans performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
Is 1st Mississippi Federal Credit Union a legit company?
1st Mississippi Federal Credit Union was founded in 1972, it is a well-established company that has been in business for 54 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.
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Hours of Operation
Sunday
Closed
Monday
8:30AM - 5:00PM
Tuesday
8:30AM - 5:00PM
Wednesday
8:30AM - 5:00PM
Thursday
8:30AM - 5:00PM
Friday
8:30AM - 5:00PM
Saturday
Closed