Last Updated: 04/18/2025
Carolinas Telco FCU Lend A Hand Loan
Unaffiliated
Last Updated: 04/18/2025
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Highlights
APR (Variable APR)
Starting at 18.00%(Verified 08/13/2024)
Amount Range
$500 - $1,500
Loan Term (Months)
Up to 12
Carolinas Telco FCU Lend A Hand Loan Review
Carolinas Telco FCU Lend A Hand Loan is offered by Carolinas Telco Federal Credit Union, a credit union founded in 1934 and based in Charlotte, NC. Carolinas Telco FCU Lend A Hand 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 Carolinas Telco FCU Lend A Hand Loan are on the higher end of the market.
- Small-dollar loans. Carolinas Telco FCU Lend A Hand Loan has a maximum loan amount of just $1,500 .
Carolinas Telco FCU Lend A Hand Loan Pros & Cons
| Pros | Cons |
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Carolinas Telco FCU Lend A Hand Loan FAQ
What interest rates and personal loan terms does Carolinas Telco FCU Lend A Hand Loan offer?
Carolinas Telco FCU Lend A Hand Loan has higher than average interest rates for lenders reviewed on SuperMoney.
What interest rates does Carolinas Telco FCU Lend A Hand Loan offer?
Carolinas Telco FCU Lend A Hand Loan offers a variable APR personal loan product that starts at 18.00% APR.
How much can you borrow via Carolinas Telco FCU Lend A Hand Loan?
Personal loan amounts start at $500 and go up to $1,500
What is the maximum loan term you can get with Carolinas Telco FCU Lend A Hand Loan?
Carolinas Telco FCU Lend A Hand Loan offers loans with terms of up to 12 months.
| Personal Loan Amount | $500 - $1500 |
| Loan Term | up to 12 months |
| APR | Starting at 18.00% |
What fees does Carolinas Telco FCU Lend A Hand Loan charge?
Does Carolinas Telco FCU Lend A Hand Loan charge an origination fee?
Carolinas Telco FCU Lend A Hand Loan may charge a personal loan origination fee .
Does Carolinas Telco FCU Lend A Hand Loan charge a late fee?
Carolinas Telco FCU Lend A Hand Loan does not disclose whether it charges late payment fees.
Does Carolinas Telco FCU Lend A Hand Loan charge prepayment fees?
No, Carolinas Telco FCU Lend A Hand 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 Carolinas Telco FCU Lend A Hand Loan?
Carolinas Telco FCU Lend A Hand Loan does not require or does not disclose a credit score minimum. Carolinas Telco FCU Lend A Hand 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 Carolinas Telco FCU Lend A Hand Loan.
To qualify, applicants may need to provide the following documentation:
- Driver's license or other government photo ID
- Proof of identity
- Proof of citizenship or residence permit
| Minimum Age | N/A |
| Bank Account Required? | No |
| Credit Score | N/A |
Does Carolinas Telco FCU Lend A Hand Loan report your account activity to credit bureaus?
Yes, Carolinas Telco FCU Lend A Hand 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 Carolinas Telco Federal Credit Union perform a hard credit pull?
Yes, Carolinas Telco FCU Lend A Hand 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 Carolinas Telco FCU Lend A Hand Loan legit?
Carolinas Telco Federal Credit Union was founded in 1934, it is a well-established company that has been in business for 92 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 - 5:00PM
Saturday
Closed