Last Updated: 04/18/2025
Delta Community Personal Line of Credit
Unaffiliated
Last Updated: 04/18/2025
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Highlights
Amount Range
$3,000 - $20,000
APR (Variable APR)
10.75% - 17%(Verified 06/21/2024)
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Delta Community Personal Line of Credit Review
Delta Community Personal Line of Credit is offered through Delta Community Credit Union, a credit union founded in 1940 and based in Atlanta, GA. Delta Community personal line of credit are available in 1 state.
Delta Community Personal Line of Credit FAQ
What APRs does Delta Community Personal Line of Credit offer?
Delta Community Personal Line of Credit offers a variable APR that ranges from 10.75% APR up to 17% APR.
Does the Delta Community Personal Line of Credit charge an origination fee?
Yes, Delta Community Personal Line of Credit charges a line of credit origination fee .Does the Delta Community Personal Line of Credit charge a cash advance fee?
Yes, Delta Community Personal Line of Credit may charge a fee .Does Delta Community Personal Line of Credit charge a late fee?
Yes, Delta Community Personal Line of Credit may charge borrowers a late payment fee .How much can you borrow via Delta Community Personal Line of Credit?
Upon approval and based on your credit worthiness, your Delta Community Personal Line of Credit personal line of credit will be assigned a credit limit of at least $3,000 and as much as $20,000. .
| Cash Advance Fee | N/A |
| Origination Fee | No |
| Prepayment Fee? | Yes |
| Late Payment Fee | No |
| Statement Balance Fee | No |
| Billing Cycle Charge | No |
What do you need to qualify for Delta Community Personal Line of Credit?
Applicants with a credit score of at least 680 and up to 850 may be eligible for Delta Community Personal Line of Credit. The minimum age to be eligible is 18 or the state minimum, whichever is higher. Delta Community Personal Line of Credit 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 Delta Community Personal Line of Credit.
To qualify, applicants may need to provide the following documentation:
- Applicants must have an active and valid personal checking account
- Proof of income
- Driver's license or other government photo ID
- Proof of identity
- Proof of citizenship or residence permit
- Proof of residence
Does Delta Community Personal Line of Credit report your account activity to credit bureaus?
Yes, Delta Community Personal Line of Credit 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 Delta Community Credit Union perform a hard credit pull?
Yes, Delta Community personal line of credit 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.
How to apply for Delta Community Personal Line of Credit
- Visit the Delta Community Personal Line of Credit website.
- Fill in the application form. You will typically need to provide general information such as your name, address, email address, Social Security Number, source of income and employment, and checking account information.
- Check the information is accurate and submit your application.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
Sunday
Closed
Monday
8:30AM - 4:30PM
Tuesday
8:30AM - 4:30PM
Wednesday
8:30AM - 4:30PM
Thursday
8:30AM - 4:30PM
Friday
8:30AM - 5:30PM
Saturday
9:00AM - 12:00PM
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Delta Community Personal Line of Credit Community Reviews
Would you recommend Delta Community Personal Line of Credit to your friends?
DD
David D.
Mar 15, 2023
May or may not recommend
This bank is terrible. I used them years ago for 2 loans and the whole process is a nightmare. They ran my credit way too many times for the same thing. They need an extreme amount of documentation. I recently went to just see what their personal loan rates were and with no warning at all they ran my credit. Zero disclaimers. I didn't even want to use them unless ...Show More
U
Anonymous
Dec 25, 2020
May or may not recommend
I’ve been a member of Delta Community for over 10 years and I’ve app’d for an auto loan at least 3 times (mostly because they had really good promo rates at the time) and was denied (with scores in the mid 600’s). Every single time they’ve denied me, I’ve either gone to PenFed or Navy Federal and was approved instantly (at almost the same low rate)! They are completely useless ...Show More
Showing 2 of 2 reviews