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  Community First Credit Union Overdraft smart Line Personal Loan

Community First Credit Union Overdraft smart Line Personal Loan

in Personal Loans from Community First Credit Union

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Community First Credit Union Overdraft smart Line Personal Loan

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in Personal Loans from Community First Credit Union

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Highlights
APR  (Fixed APR) N/A
Loan Amount N/A
Loan Term (Months) 12 - 60 months

Community First Credit Union Overdraft smart Line Personal Loan Review

Community First Credit Union Overdraft smart Line Personal Loan is offered by Community First Credit Union, a credit union founded in 1959 and based in Santa Rosa, CA. Community First Credit Union Overdraft smart Line Personal Loan is available in 1 state across the USA.

Key Takeaways
    .
  • Hard credit pull required. You can't check your rates or see if you prequalify for Community First Credit Union Overdraft smart Line Personal Loan without a hard pull on your credit report. Most lenders give you the option of a soft pull on you credit report.
  • Charges a prepayment fee. This is rare for personal loans. It means you will have to pay a fee if you pay off your Community First Credit Union Overdraft smart Line Personal Loan early.
Community First Credit Union Overdraft smart Line Personal Loan Pros & Cons
Pros Cons
  • Charges an origination fee.
  • Do not offer pre-approval with soft credit pull.
  • Charges prepayment fees.
  • Charges a late fee.
Community First Credit Union Overdraft smart Line Personal Loan FAQ

What rates and terms does Community First Credit Union Overdraft smart Line Personal Loan offer?

Community First Credit Union Overdraft smart Line Personal Loan has lower interest rates than the average for lenders reviewed on SuperMoney.

What APR rate does Community First Credit Union Overdraft smart Line Personal Loan offer?

Community First Credit Union Overdraft smart Line Personal Loan offers a fixed APR personal loan product but they do not disclose their rates.

Your APR can vary depending on several factors, such as your credit score. Find out what your credit score is and whether there is any false or inaccurate information in your credit history with these credit monitoring tools.

What can a personal loan from Community First Credit Union Overdraft smart Line Personal Loan be used for?

Personal loans from Community First Credit Union Overdraft smart Line Personal Loan are typically used for special purchases or similar purposes.

What is the maximum loan term you can get with Community First Credit Union Overdraft smart Line Personal Loan?

Community First Credit Union Overdraft smart Line Personal Loan offers personal loans with terms ranging from 12 to 60 months. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your loan, the more interest you will pay.

Community First Credit Union Overdraft smart Line Personal Loan Rates & Terms
Loan Amount N/A
Loan Term 12 - 60 months
APR N/A

What fees does Community First Credit Union Overdraft smart Line Personal Loan charge?

Does Community First Credit Union Overdraft smart Line Personal Loan charge an origination fee?

Community First Credit Union Overdraft smart Line Personal Loan may charge a loan origination fee.

Does Community First Credit Union Overdraft smart Line Personal Loan charge a late fee?

Yes, Community First Credit Union Overdraft smart Line Personal Loan may charge borrowers a late payment fee.

Does Community First Credit Union Overdraft smart Line Personal Loan charge prepayment fees?

Yes, Community First Credit Union Overdraft smart Line Personal Loan may charge additional fees to borrowers who pay off their loans sooner than anticipated. Take this into consideration when choosing a lender because prepayment penalties can reduce or even cancel the interest savings of repaying a loan early.

Community First Credit Union Overdraft smart Line Personal Loan Fees
Origination Fee N/A
Prepayment Fee? Yes
Late Payment Fee N/A

What do you need to qualify for Community First Credit Union Overdraft smart Line Personal Loan?

Community First Credit Union Overdraft smart Line Personal Loan 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.

Community First Credit Union Overdraft smart Line Personal Loan does not have or does not disclose a minimum annual income eligibility requirement. Community First Credit Union Overdraft smart Line Personal Loan only considers borrowers who are employed.

U.S. citizens are, of course, eligible for the services offered by Community First Credit Union Overdraft smart Line Personal Loan. Permanent resident / green card holders are also eligible to apply.

To qualify, applicants may need to provide the following documentation:

  • Applicants must have an active and valid personal checking account
  • Driver's license
  • Government issued photo ID
  • Proof of identity
  • Proof of citizenship or residence permit
Community First Credit Union Overdraft smart Line Personal Loan Eligibility Criteria
Minimum Age 18
Bank Account Required? Yes
Credit Score N/A

Does Community First Credit Union Overdraft smart Line Personal Loan report your account activity to credit bureaus?

Yes, Community First Credit Union Overdraft smart Line Personal Loan reports your account activity to the following credit reporting agencies:

  • 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 improve your credit.

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.

Availability

  Available in 1 state
California
Availabile in all of California

Feature Breakdown

Checking Account Required  
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Minimum Age 18
Supported Income Types Payroll Check or Prepaid Card
Verification Documents Required
  • Proof of Identity
  • Government Issued Photo ID
  • Social Security Number
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Loan Term 12 - 60 months

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