Last Updated: 04/18/2025
E-Central Credit Union Personal Line of Credit
Unaffiliated
Last Updated: 04/18/2025
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Highlights
Amount Range
Up to $25,000
APR (Fixed APR)
N/A
E-Central Credit Union Personal Line of Credit Review
E-Central Credit Union Personal Line of Credit is offered through E-Central Credit Union, a credit union founded in 1943 and based in Pasadena, CA. E-Central Credit Union Personal Line of Credit are available in 50 states and Washington, DC.
E-Central Credit Union Personal Line of Credit FAQ
What APRs does E-Central Credit Union Personal Line of Credit offer?
E-Central Credit Union Personal Line of Credit offers an APR , but they do not disclose their rates.
Does the E-Central Credit Union Personal Line of Credit charge an origination fee?
Yes, E-Central Credit Union Personal Line of Credit charges a line of credit origination fee .Does the E-Central Credit Union Personal Line of Credit charge a cash advance fee?
Yes, E-Central Credit Union Personal Line of Credit may charge a fee .Does E-Central Credit Union Personal Line of Credit charge a late fee?
Yes, E-Central Credit Union Personal Line of Credit may charge borrowers a late payment fee .| 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 E-Central Credit Union Personal Line of Credit?
E-Central Credit Union Personal Line of Credit 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. E-Central Credit Union 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 E-Central Credit Union Personal Line of Credit. Not all companies will work with visa holders. E-Central Credit Union does offer its services to temporary resident visa holders such as F1 or H1B holders.
To qualify, applicants may need to provide the following documentation:
- Recent pay stubs
- Driver's license or other government photo ID
- Government issued photo ID
- Proof of identity
Does E-Central Credit Union Personal Line of Credit report your account activity to credit bureaus?
Yes, E-Central Credit Union 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 E-Central Credit Union perform a hard credit pull?
Yes, E-Central Credit Union 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 E-Central Credit Union Personal Line of Credit
- Visit the E-Central Credit Union 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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Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:30AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:30AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed