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Personal Lines of Credit
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Last Updated: 04/18/2025

SEFCU Credit Union Line of Credit

in Personal Lines of Credit from SEFCU

Last Updated: 04/18/2025

SEFCU Credit Union Line of Credit logo
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Amount Range

$500 - $30,000

APR (Variable APR)

Starting at 11%(Verified 06/21/2024)
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SEFCU Credit Union Line of Credit Review

SEFCU Credit Union Line of Credit is offered through SEFCU, a credit union founded in 1935 and based in Albany, NY. SEFCU line of credit are available in 1 state.

SEFCU Credit Union Line of Credit FAQ

What APRs does SEFCU Credit Union Line of Credit offer?

SEFCU Credit Union Line of Credit offers a variable APR that starts at 11% APR.

Does the SEFCU Credit Union Line of Credit charge an origination fee?

Yes, SEFCU Credit Union Line of Credit charges a line of credit origination fee .

Does the SEFCU Credit Union Line of Credit charge a cash advance fee?

Yes, SEFCU Credit Union Line of Credit may charge a fee .

Does SEFCU Credit Union Line of Credit charge a late fee?

Yes, SEFCU Credit Union Line of Credit may charge borrowers a late payment fee .

How much can you borrow via SEFCU Credit Union Line of Credit?

Upon approval and based on your credit worthiness, your SEFCU Credit Union Line of Credit personal line of credit will be assigned a credit limit of at least $500 and as much as $30,000. .

What do you need to qualify for SEFCU Credit Union Line of Credit?

Applicants with a credit score of at least 680 and up to 850 may be eligible for SEFCU Credit Union Line of Credit. The minimum age to be eligible is 18 or the state minimum, whichever is higher.
SEFCU Credit Union 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 SEFCU Credit Union Line 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

Does SEFCU Credit Union Line of Credit report your account activity to credit bureaus?

Yes, SEFCU Credit Union 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 SEFCU perform a hard credit pull?

Yes, SEFCU 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 SEFCU Credit Union Line of Credit

  • Visit the SEFCU Credit Union 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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655 Patroon Creek Blvd
Albany, NY 12206
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