Last Updated: 04/18/2025
Academic Employees CU Preferred Personal Loan
Unaffiliated
Last Updated: 04/18/2025
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Highlights
APR (Fixed APR)
Starting at 10.00%(Verified 08/06/2024)
Amount Range
Up to $20,000
Loan Term (Months)
Up to 60
Academic Employees CU Preferred Personal Loan Review
Academic Employees CU Preferred Personal Loan is offered by Academic Employees Credit Union, a credit union founded in 1936 and based in Columbia, MO. Academic Employees CU Preferred Personal Loan are available in 50 states, 5 US territories, and Washington, DC.
Key Takeaways
- APRs starting at 10.00%. Personal loan interest rates typically range between 9% and 36%. The starting rates for Academic Employees CU Preferred Personal Loan are on the higher end of the spectrum.
Academic Employees CU Preferred Personal Loan Pros & Cons
| Pros | Cons |
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Academic Employees CU Preferred Personal Loan FAQ
What interest rates and personal loan terms does Academic Employees CU Preferred Personal Loan offer?
What interest rates does Academic Employees CU Preferred Personal Loan offer?
Academic Employees CU Preferred Personal Loan offers a fixed APR personal loan product that starts at 10.00% APR.
What is the maximum loan term you can get with Academic Employees CU Preferred Personal Loan?
Academic Employees CU Preferred Personal Loan offers loans with terms of up to 60 months.
| Personal Loan Amount | up to $20000.00 |
| Loan Term | up to 60 months |
| APR | Starting at 10.00% |
What fees does Academic Employees CU Preferred Personal Loan charge?
Does Academic Employees CU Preferred Personal Loan charge an origination fee?
Academic Employees CU Preferred Personal Loan may charge a personal loan origination fee .
Does Academic Employees CU Preferred Personal Loan charge a late fee?
Academic Employees CU Preferred Personal Loan does not disclose whether it charges late payment fees.
Does Academic Employees CU Preferred Personal Loan charge prepayment fees?
No, Academic Employees CU Preferred Personal Loan does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the personal loan off early.
| Origination Fee | No |
| Prepayment Fee | N/A |
| Late Payment Fee | Starting at $15.00 |
What do you need to qualify for Academic Employees CU Preferred Personal Loan?
Academic Employees CU Preferred Personal Loan does not require or does not disclose a credit score minimum. Academic Employees CU Preferred Personal Loan 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 Academic Employees CU Preferred Personal Loan.
To qualify, applicants may need to provide the following documentation:
- Driver's license or other government photo ID
- Government issued photo ID
- Proof of identity
| Minimum Age | N/A |
| Bank Account Required? | No |
| Credit Score | N/A |
Does Academic Employees CU Preferred Personal Loan report your account activity to credit bureaus?
Yes, Academic Employees CU Preferred Personal Loan 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 Academic Employees Credit Union perform a hard credit pull?
Yes, Academic Employees CU Preferred Personal Loan 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.
Are Academic Employees CU Preferred Personal Loan legit?
Academic Employees Credit Union was founded in 1936, it is a well-established company that has been in business for 90 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.
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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
10:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed