Last Updated: 04/18/2025
Alltru Home Improvement Loan
Unaffiliated
in Personal Loans from Alltru Credit Union
Last Updated: 04/18/2025
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Highlights
APR (Variable APR)
Starting at 6.24%(Verified 08/15/2024)
Amount Range
$2,500 - $25,000
Loan Term (Months)
Up to 180
Alltru Home Improvement Loan Review
Alltru Home Improvement Loan is offered by Alltru Credit Union, a credit union founded in 1968 and based in Wentzville, MO. Alltru Home Improvement 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 Home Improvement Loan are on the lower end of the spectrum.
- Super long loan terms. Alltru Home Improvement Loan offers loan terms of up to 180 months. Most personal loans have a maximum term of 60 months.
Alltru Home Improvement Loan Pros & Cons
| Pros | Cons |
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Alltru Home Improvement Loan FAQ
What interest rates and personal loan terms does Alltru Home Improvement Loan offer?
Alltru Home Improvement Loan has lower than average interest rates for lenders reviewed on SuperMoney.
What interest rates does Alltru Home Improvement Loan offer?
Alltru Home Improvement Loan offers a variable APR personal loan product that starts at 6.24% APR.
How much can you borrow via Alltru Home Improvement Loan?
Personal loan amounts start at $2,500 and go up to $25,000
What is the maximum loan term you can get with Alltru Home Improvement Loan?
Alltru Home Improvement Loan offers loans with terms of up to 180 months.
| Personal Loan Amount | $2500 - $25000 |
| Loan Term | up to 180 months |
| APR | Starting at 6.24% |
What fees does Alltru Home Improvement Loan charge?
Does Alltru Home Improvement Loan charge an origination fee?
Alltru Home Improvement Loan may charge a personal loan origination fee .
Does Alltru Home Improvement Loan charge a late fee?
Alltru Home Improvement Loan does not disclose whether it charges late payment fees.
Does Alltru Home Improvement Loan charge prepayment fees?
No, Alltru Home Improvement 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 Home Improvement Loan?
Alltru Home Improvement Loan does not require or does not disclose a credit score minimum. Alltru Home Improvement 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 Home Improvement 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
- Proof of residence
| Minimum Age | N/A |
| Bank Account Required? | No |
| Credit Score | N/A |
Does Alltru Home Improvement Loan report your account activity to credit bureaus?
Yes, Alltru Home Improvement 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 Home Improvement 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 Home Improvement 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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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