Atlantic FCU Personal Loans
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| APR (Variable APR) |
Starting at 9.75% (Verified 09/29/2023) |
| Loan Amount | Up to $20,000 |
| Loan Term (Months) | 12 - 60 months |
Atlantic FCU Personal Loans Review
Atlantic FCU Personal Loans is offered by Atlantic Federal Credit Union, a credit union founded in 1941 and based in Brunswick, ME. Atlantic FCU Personal Loans are available in 50 states (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. These are average interest rates for a personal loan. If you have good credit or a cosigner, you could probably find better rates.
- Charges a prepayment fee. This is rare for personal loans. It means you will have to pay a fee if you pay off your Atlantic FCU Personal Loans early.
- Cosigner and coborrower applications accepted. A cosigner or coborrower can help you qualify for better rates and terms when applying for Atlantic FCU Personal Loans.
Atlantic FCU Personal Loans Pros & Cons
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Atlantic FCU Personal Loans FAQ
What interest rates and personal loan terms does Atlantic FCU Personal Loans offer?
What interest rates does Atlantic FCU Personal Loans offer?
Atlantic FCU Personal Loans offers a variable APR personal loan product that starts at 9.75% APR.
What is the maximum loan term you can get with Atlantic FCU Personal Loans?
Atlantic FCU Personal Loans offers loans with terms of up to 60 months.
| Personal Loan Amount | up to $20000 |
| Loan Term | 12 - 60 months |
| APR | Starting at 9.75% |
What fees does Atlantic FCU Personal Loans charge?
Does Atlantic FCU Personal Loans charge an origination fee?
Atlantic FCU Personal Loans may charge a personal loan origination fee.
Does Atlantic FCU Personal Loans charge a late fee?
No, Atlantic FCU Personal Loans will not charge you a late fee if you miss one of the monthly payments.
Does Atlantic FCU Personal Loans charge prepayment fees?
No, Atlantic FCU 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 Atlantic FCU Personal Loans?
Atlantic FCU 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.Atlantic FCU Personal Loans does not have or does not disclose a minimum annual income eligibility requirement. Atlantic FCU 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 Atlantic FCU 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 Atlantic FCU 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
| Minimum Age | 18 |
| Bank Account Required? | No |
| Application Types Accepted |
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| Credit Score | N/A |
Are Atlantic FCU Personal Loans legit?
Atlantic Federal Credit Union was founded in 1941, it is a well-established company that has been in business for 82 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.
Contact
- Headquarters
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55 Cushing St
P.O. Box 188
Brunswick, ME 04011 - (800) 834-0432
- Visit Site
- Email Support
Other Services by Atlantic Federal Credit Union
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Employment Statuses Considered |
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| Immigration Status Considered |
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| Joint Loan Applications Accepted |
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| Military Status |
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| Minimum Age | 18 |
| Supported Income Types |
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| Verification Documents Required |
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