Delta Community Personal Line of Credit Review

Delta Community Personal Line of Credit is offered by Delta Community Credit Union, a credit union founded in 1940 and based in Atlanta, GA. Delta Community Personal Line of Credit is available in 1 state across the USA.

What APRs does Delta Community Personal Line of Credit offer?

Delta Community Personal Line of Credit offers a variable APR product that ranges from 10.75% APR up to 17% APR.

Does 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 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 line of at least $3,000 and as much as $20,000. .

Delta Community Personal Line of Credit Fees

Cash Advance Fee	N/A
Origination Fee	N/A
Prepayment Fee?	Yes
Late Payment Fee	N/A

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 are 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. Delta Community Personal Line of Credit will consider borrowers regardless of their employment status if they can prove their ability to repay their obligations.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. Active duty service members and their covered dependents are eligible to apply for a loan via Delta Community Personal Line of Credit. Their rates fall within the limits of The Military Lending Act.

U.S. citizens are, of course, eligible for the services offered by Delta Community Personal Line of Credit. Permanent resident / green card holders are also eligible to apply.

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
• 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?

Delta Community Personal Line of Credit reports your account activity to the following credit reporting agencies:

• 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 can help improve your credit score.

How to apply for Delta Community Personal Line of Credit

• Visit the Delta Community Credit Union website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
• Check the information is accurate and submit your application.