Last Updated: 04/18/2025
Journey Federal CU Personal Lines of Credit
Unaffiliated
Last Updated: 04/18/2025
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Highlights
Amount Range
$200
APR (Fixed APR)
13.00%(Verified 06/21/2024)
Journey Federal CU Personal Lines of Credit Review
Journey Federal CU Personal Lines of Credit is offered through Journey Federal Credit Union, a credit union founded in 1972 and based in Saint Johns, MI. Journey Federal CU Personal Lines of Credit are available in 50 states and Washington, DC.
Journey Federal CU Personal Lines of Credit FAQ
What APRs does Journey Federal CU Personal Lines of Credit offer?
Journey Federal CU Personal Lines of Credit offers an APR of 13.00% APR.
Does the Journey Federal CU Personal Lines of Credit charge an origination fee?
Yes, Journey Federal CU Personal Lines of Credit charges a line of credit origination fee .Does the Journey Federal CU Personal Lines of Credit charge a cash advance fee?
Yes, Journey Federal CU Personal Lines of Credit may charge a fee .Does Journey Federal CU Personal Lines of Credit charge a late fee?
Yes, Journey Federal CU Personal Lines of Credit may charge borrowers a late payment fee .How much can you borrow via Journey Federal CU Personal Lines of Credit?
Upon approval and based on your credit worthiness, your Journey Federal CU Personal Lines of Credit personal line of credit will be assigned a credit limit of at least $200 and as much as $200. .
| 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 Journey Federal CU Personal Lines of Credit?
Journey Federal CU Personal Lines 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. Journey Federal CU Personal Lines 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 Journey Federal CU Personal Lines of Credit.
To qualify, applicants may need to provide the following documentation:
- Proof of income
- Driver's license or other government photo ID
- Proof of identity
- Proof of citizenship or residence permit
Does Journey Federal CU Personal Lines of Credit report your account activity to credit bureaus?
Yes, Journey Federal CU Personal Lines 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 Journey Federal Credit Union perform a hard credit pull?
Yes, Journey Federal CU Personal Lines 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 Journey Federal CU Personal Lines of Credit
- Visit the Journey Federal CU Personal Lines 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
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
9:00AM - 12:00PM