|APR (Variable APR)||
Starting at 10.99%
|Loan Term (Months)||Up to 72 months|
Ardent CU Personal Loans Review
Ardent CU Personal Loans is offered by Ardent Credit Union, a credit union founded in 1977 and based in Philadelphia, PA. Ardent CU Personal Loans are available in 50 states (and Washington, DC).
- 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 5% and 36%. The starting rates for Ardent CU Personal Loans are on the higher end of the market.
- Charges a prepayment fee. This is rare for personal loans. It means you will have to pay a fee if you pay off your Ardent CU Personal Loans early.
- Cosigner and coborrower applications accepted. A cosigner or coborrower can help you qualify for better rates and terms when applying for Ardent CU Personal Loans.
- Super long loan terms. Ardent CU Personal Loans offers loan terms of up to 72 months. Most personal loans have a maximum term of 60 months.
Ardent CU Personal Loans Pros & Cons
Ardent CU Personal Loans FAQ
What interest rates and personal loan terms does Ardent CU Personal Loans offer?
Ardent CU Personal Loans has higher than average interest rates for lenders reviewed on SuperMoney.
What interest rates does Ardent CU Personal Loans offer?
Ardent CU Personal Loans offers a variable APR personal loan product that starts at 10.99% APR.
What is the maximum loan term you can get with Ardent CU Personal Loans?
Ardent CU Personal Loans offers loans with terms of up to 72 months.
|Personal Loan Amount||N/A|
|Loan Term||up to 72 months|
|APR||Starting at 10.99%|
What fees does Ardent CU Personal Loans charge?
Does Ardent CU Personal Loans charge an origination fee?
Ardent CU Personal Loans may charge a personal loan origination fee.
Does Ardent CU Personal Loans charge a late fee?
No, Ardent CU Personal Loans will not charge you a late fee if you miss one of the monthly payments.
Does Ardent CU Personal Loans charge prepayment fees?
No, Ardent 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.
|Late Payment Fee||No|
What do you need to qualify for Ardent CU Personal Loans?Ardent 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.
Ardent CU Personal Loans does not have or does not disclose a minimum annual income eligibility requirement. Ardent CU Personal Loans only considers borrowers who are employed. Note that borrowers can add a cosigner or a co-borrower to either meet eligibility requirements or qualify for lower interest rates.
The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. Active duty service members and their covered dependents are eligible to apply for a loan via Ardent CU Personal Loans. Their rates fall within the limits of The Military Lending Act.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Ardent CU Personal Loans.
To qualify, applicants may need to provide the following documentation:
- Proof of income
- Driver's license
- Proof of identity
- Proof of citizenship or residence permit
|Bank Account Required?||No|
|Application Types Accepted||
Are Ardent CU Personal Loans legit?
Ardent Credit Union was founded in 1977, it is a well-established company that has been in business for 46 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.
Other Services by Ardent Credit Union
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Rhode Island
- South Carolina
- South Dakota
- Washington, DC
- West Virginia
|Employment Statuses Considered||
|Immigration Status Considered||
|Joint Loan Applications Accepted||
|Supported Income Types||
|Verification Documents Required||
|APR Type||Variable APR|
|APR (Variable APR)||
Starting at 10.99%
|Loan Term||Up to 72 months|