Last Updated: 04/18/2025
Alpena Alcona Area CU Personal Loans
Unaffiliated
Last Updated: 04/18/2025
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Highlights
APR (Fixed APR)
Starting at 9.202%(Verified 07/03/2024)
Amount Range
N/A
Loan Term (Months)
Up to 54
Alpena Alcona Area CU Personal Loans Review
Alpena Alcona Area CU Personal Loans is offered by Alpena Alcona Area Credit Union, a credit union founded in 1953 and based in Alpena, MI. Alpena Alcona Area CU Personal Loans are available in 50 states, 5 US territories, and Washington, DC.
Key Takeaways
- APRs starting at 9.202%. Personal loan interest rates typically range between 9% and 36%. The starting rates for Alpena Alcona Area CU Personal Loans are on the lower end of the spectrum.
Alpena Alcona Area CU Personal Loans Pros & Cons
| Pros | Cons |
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Alpena Alcona Area CU Personal Loans FAQ
What interest rates and personal loan terms does Alpena Alcona Area CU Personal Loans offer?
What interest rates does Alpena Alcona Area CU Personal Loans offer?
Alpena Alcona Area CU Personal Loans offers a fixed APR personal loan product that starts at 9.202% APR.
What is the maximum loan term you can get with Alpena Alcona Area CU Personal Loans?
Alpena Alcona Area CU Personal Loans offers loans with terms of up to 54 months.
| Personal Loan Amount | N/A |
| Loan Term | up to 54 months |
| APR | Starting at 9.202% |
What fees does Alpena Alcona Area CU Personal Loans charge?
Does Alpena Alcona Area CU Personal Loans charge an origination fee?
Alpena Alcona Area CU Personal Loans may charge a personal loan origination fee .
Does Alpena Alcona Area CU Personal Loans charge a late fee?
Alpena Alcona Area CU Personal Loans does not disclose whether it charges late payment fees.
Does Alpena Alcona Area CU Personal Loans charge prepayment fees?
No, Alpena Alcona Area CU Personal Loans 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 Alpena Alcona Area CU Personal Loans?
Alpena Alcona Area CU Personal Loans 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. Alpena Alcona Area CU Personal Loans 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 Alpena Alcona Area CU Personal Loans.
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 | 18 |
| Bank Account Required? | No |
| Credit Score | N/A |
Does Alpena Alcona Area CU Personal Loans report your account activity to credit bureaus?
Yes, Alpena Alcona Area CU Personal Loans 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 Alpena Alcona Area Credit Union perform a hard credit pull?
Yes, Alpena Alcona Area CU Personal Loans 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 Alpena Alcona Area CU Personal Loans legit?
Alpena Alcona Area Credit Union was founded in 1953, it is a well-established company that has been in business for 73 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
Closed