Delta Community Personal Line of Credit Review

Where does Delta Community Personal Line of Credit do business?

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

What are the APRs offered via Delta Community Personal Line of Credit?

Delta Community Personal Line of Credit offers personal lines of credit with variable APRs starting from 10.75% to 17%.

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.

Does Delta Community Personal Line of Credit charge prepayment fees?

Yes, Delta Community Personal Line of Credit charges additional fees to borrowers who close their line of credit sooner than anticipated. Take this into consideration when choosing a lender because prepayment penalties can reduce or even cancel the interest savings of repaying a line of credit.

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 a line of credit with Delta Community Personal Line of Credit?

Applicants with a credit score of at least 680 can apply for a line of credit via Delta Community Personal Line of Credit. The minimum age to apply for a line of credit is 18 or the state minimum, whichever is higher.

Delta Community Personal Line of Credit will also consider borrowers who are unemployed

Active duty servicemembers and their covered dependents are not considered covered borrowers. In other words, they are eligible to apply for a line of credit via Delta Community Personal Line of Credit. Their rates fall within the limits of The Military Lending Act. Only U.S. citizens and permanent residents can apply for a line of credit.

To qualify, applicants may need to provide the following documentation:

• Driver's license
• Applicants must have an active and valid checking account
• Proof of identity
• Proof of citizenship or residence permit
• Proof of income

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 and on-time payments on a credit card that reports your account activity to credit bureaus will demonstrate that you consistently manage debt well and can help increase your credit scores.

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.