Last Updated: 04/18/2025
Cornerstone Financial Credit Union Spot Me Loan
Unaffiliated
Last Updated: 04/18/2025
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Highlights
APR (Fixed APR)
11.25%(Verified 06/21/2024)
Amount Range
Up to $10,000
Loan Term (Months)
24
Cornerstone Financial Credit Union Spot Me Loan Review
Cornerstone Financial Credit Union Spot Me Loan is offered by Cornerstone Financial Credit Union, a credit union founded in 1955 and based in Nashville, TN. Cornerstone Financial Credit Union Spot Me Loan are available in 50 states, 5 US territories, and Washington, DC.
Key Takeaways
- APRs starting at 11.25%. Personal loan interest rates typically range between 9% and 36%. The starting rates for Cornerstone Financial Credit Union Spot Me Loan are on the higher 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 Cornerstone Financial Credit Union Spot Me Loan.
Cornerstone Financial Credit Union Spot Me Loan Pros & Cons
| Pros | Cons |
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Cornerstone Financial Credit Union Spot Me Loan FAQ
What interest rates and personal loan terms does Cornerstone Financial Credit Union Spot Me Loan offer?
Cornerstone Financial Credit Union Spot Me Loan has higher than average interest rates for lenders reviewed on SuperMoney.
What interest rates does Cornerstone Financial Credit Union Spot Me Loan offer?
Cornerstone Financial Credit Union Spot Me Loan offers a fixed APR personal loan product of 11.25%.
What is the maximum loan term you can get with Cornerstone Financial Credit Union Spot Me Loan?
Cornerstone Financial Credit Union Spot Me Loan offers loans with terms of 24 months.
| Personal Loan Amount | up to $10000.00 |
| Loan Term | 24 months |
| APR | 11.25% |
What fees does Cornerstone Financial Credit Union Spot Me Loan charge?
Does Cornerstone Financial Credit Union Spot Me Loan charge an origination fee?
Cornerstone Financial Credit Union Spot Me Loan may charge a personal loan origination fee .
Does Cornerstone Financial Credit Union Spot Me Loan charge a late fee?
Cornerstone Financial Credit Union Spot Me Loan does not disclose whether it charges late payment fees.
Does Cornerstone Financial Credit Union Spot Me Loan charge prepayment fees?
No, Cornerstone Financial Credit Union Spot Me 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 Cornerstone Financial Credit Union Spot Me Loan?
Cornerstone Financial Credit Union Spot Me 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. Cornerstone Financial Credit Union Spot Me Loan 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 Cornerstone Financial Credit Union Spot Me Loan.
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
| Minimum Age | 18 |
| Bank Account Required? | No |
| Application Types Accepted |
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| Credit Score | N/A |
Does Cornerstone Financial Credit Union Spot Me Loan report your account activity to credit bureaus?
Yes, Cornerstone Financial Credit Union Spot Me 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 Cornerstone Financial Credit Union perform a hard credit pull?
Yes, Cornerstone Financial Credit Union Spot Me 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 Cornerstone Financial Credit Union Spot Me Loan legit?
Cornerstone Financial Credit Union was founded in 1955, it is a well-established company that has been in business for 71 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.
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
Other Services by Cornerstone Financial Credit Union
Other Personal Loans from Cornerstone Financial Credit Union
Rating not yet determined
APR
Starting at 13.00%
Disclaimer popup with additional information
Amount Range
Up to $75,000
Loan Term (Months)
1 - 3
Rating not yet determined
APR
Starting at 11.25%
Disclaimer popup with additional information
Amount Range
Up to $75,000
Loan Term (Months)
36 - 60
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Learn MoreSuperMoney Net Recommendation Score
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