Last Updated: 04/18/2025
Alltru Credit Builder Loan
Unaffiliated
in Personal Loans from Alltru Credit Union
Last Updated: 04/18/2025
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Highlights
APR (Variable APR)
Starting at 12%(Verified 08/15/2024)
Amount Range
$300 - $2,000
Loan Term (Months)
Up to 24
Alltru Credit Builder Loan Review
Alltru Credit Builder Loan is offered by Alltru Credit Union, a credit union founded in 1968 and based in Wentzville, MO. Alltru Credit Builder Loan are available in 50 states, 5 US territories, and Washington, DC.
Key Takeaways
- Uses a variable APR. This is uncommon for personal loans. If interest rates rise in the future it could make the monthly payments more challenging. Personal loan interest rates typically range between 9% and 36%. The starting rates for Alltru Credit Builder Loan are on the higher end of the market.
- Small-dollar loans. Alltru Credit Builder Loan has a maximum loan amount of just $2,000 .
Alltru Credit Builder Loan Pros & Cons
| Pros | Cons |
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Alltru Credit Builder Loan FAQ
What interest rates and personal loan terms does Alltru Credit Builder Loan offer?
Alltru Credit Builder Loan has higher than average interest rates for lenders reviewed on SuperMoney.
What interest rates does Alltru Credit Builder Loan offer?
Alltru Credit Builder Loan offers a variable APR personal loan product that starts at 12% APR.
How much can you borrow via Alltru Credit Builder Loan?
Personal loan amounts start at $300 and go up to $2,000
What is the maximum loan term you can get with Alltru Credit Builder Loan?
Alltru Credit Builder Loan offers loans with terms of up to 24 months.
| Personal Loan Amount | $300 - $2000 |
| Loan Term | up to 24 months |
| APR | Starting at 12% |
What fees does Alltru Credit Builder Loan charge?
Does Alltru Credit Builder Loan charge an origination fee?
Alltru Credit Builder Loan may charge a personal loan origination fee .
Does Alltru Credit Builder Loan charge a late fee?
Alltru Credit Builder Loan does not disclose whether it charges late payment fees.
Does Alltru Credit Builder Loan charge prepayment fees?
No, Alltru Credit Builder 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 | No |
What do you need to qualify for Alltru Credit Builder Loan?
Alltru Credit Builder Loan 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. Alltru Credit Builder 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 Alltru Credit Builder Loan.
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
| Minimum Age | 18 |
| Bank Account Required? | No |
| Credit Score | N/A |
Does Alltru Credit Builder Loan report your account activity to credit bureaus?
Yes, Alltru Credit Builder 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 Alltru Credit Union perform a hard credit pull?
Yes, Alltru Credit Builder 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 Alltru Credit Builder Loan legit?
Alltru Credit Union was founded in 1968, it is a well-established company that has been in business for 58 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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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
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 - 6:00PM
Saturday
9:00AM - 12:00PM