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Last Updated: 04/18/2025

Arize FCU Lot Loans

from Arize Federal Credit Union

Last Updated: 04/18/2025

Created by:

SuperMoney

Fact Checked by:

Andrew Latham

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Highlights

APR (Fixed APR)

7.69%(Verified 06/21/2024)

Amount Range

N/A

Loan Term (Months)

Up to 84

Arize FCU Lot Loans Review

Arize FCU Lot Loans is offered by Arize Federal Credit Union, a credit union founded in 1978 and based in State College, PA. Arize FCU Lot Loans are available in 50 states and Washington, DC.

Key Takeaways

APRs starting at 7.69%. Personal loan interest rates typically range between 9% and 36%. The starting rates for Arize FCU Lot Loans are on the lower end of the spectrum.
Cosigner and coborrower applications accepted. A cosigner or coborrower can help you qualify for better rates and terms when applying for Arize FCU Lot Loans.
Super long loan terms. Arize FCU Lot Loans offers loan terms of up to 84 months. Most personal loans have a maximum term of 60 months.

Arize FCU Lot Loans Pros & Cons

Pros

Cons

Accepts cosigners and coborrowers.

Charges an origination fee.
Does not offer pre-approval with soft credit pull.
Charges prepayment fees.

Arize FCU Lot Loans FAQ

What interest rates and personal loan terms does Arize FCU Lot Loans offer?

Arize FCU Lot Loans has lower than average interest rates for lenders reviewed on SuperMoney.

What interest rates does Arize FCU Lot Loans offer?

Arize FCU Lot Loans offers a fixed APR personal loan product of 7.69%.

What is the maximum loan term you can get with Arize FCU Lot Loans?

Arize FCU Lot Loans offers loans with terms of up to 84 months.

Arize FCU Lot Loans Interest Rates & Loan Terms

Personal Loan Amount

N/A

Loan Term

up to 84 months

APR

7.69%

What fees does Arize FCU Lot Loans charge?

Does Arize FCU Lot Loans charge an origination fee?

Arize FCU Lot Loans may charge a personal loan origination fee .

Does Arize FCU Lot Loans charge a late fee?

Arize FCU Lot Loans does not disclose whether it charges late payment fees.

Does Arize FCU Lot Loans charge prepayment fees?

No, Arize FCU Lot 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.

Arize FCU Lot Loans Fees

Origination Fee

Prepayment Fee

N/A

Late Payment Fee

What do you need to qualify for Arize FCU Lot Loans?

Arize FCU Lot 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.

Arize FCU Lot Loans does not have or does not disclose a minimum annual income eligibility requirement. Note that borrowers can add a cosigner or a co-borrower to either meet eligibility requirements or qualify for lower interest rates.

U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Arize FCU Lot 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

Arize FCU Lot Loans Eligibility Criteria

Minimum Age

Bank Account Required?

Application Types Accepted

Co-borrowers
Cosigners
Individual Applications

Credit Score

N/A

Does Arize FCU Lot Loans report your account activity to credit bureaus?

Yes, Arize FCU Lot 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 Arize Federal Credit Union perform a hard credit pull?

Yes, Arize FCU Lot 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 Arize FCU Lot Loans legit?

Arize Federal Credit Union was founded in 1978, it is a well-established company that has been in business for 48 years.

Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

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.

Contact

Headquarters

650 Science Park Rd

State College, PA 16803

(877) 342-5975

Visit Site

Email Support

Hours of Operation

Sunday

Closed

Monday

9:00AM - 4:30PM

Tuesday

9:00AM - 4:30PM

Wednesday

9:00AM - 4:30PM

Thursday

9:00AM - 4:30PM

Friday

9:00AM - 4:30PM

Saturday

Closed

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SuperMoney Net Recommendation Score

This product has no reviews yet. Help others by sharing your thoughts.

-1000+100

No one recommends

Everyone recommends

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.