Last Updated: 04/18/2025
Credit Union of Southern California Share Secured Loan
Unaffiliated
Last Updated: 04/18/2025
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Highlights
APR (Fixed APR)
Starting at 3.95%(Verified 06/21/2024)
Amount Range
Starting at $500
Loan Term (Months)
Up to 120
Credit Union of Southern California Share Secured Loan Review
Credit Union of Southern California Share Secured Loan is offered by Credit Union of Southern California, a credit union founded in 1954 and based in wHITTIER, CA. Credit Union of Southern California Share Secured Loan are available in 50 states and Washington, DC.
Key Takeaways
- APRs starting at 3.95%. Personal loan interest rates typically range between 9% and 36%. The starting rates for Credit Union of Southern California Share Secured Loan are on the lower end of the spectrum.
- Super long loan terms. Credit Union of Southern California Share Secured Loan offers loan terms of up to 120 months. Most personal loans have a maximum term of 60 months.
Credit Union of Southern California Share Secured Loan Pros & Cons
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Credit Union of Southern California Share Secured Loan FAQ
What interest rates and personal loan terms does Credit Union of Southern California Share Secured Loan offer?
Credit Union of Southern California Share Secured Loan has lower than average interest rates for lenders reviewed on SuperMoney.
What interest rates does Credit Union of Southern California Share Secured Loan offer?
Credit Union of Southern California Share Secured Loan offers a fixed APR personal loan product that starts at 3.95% APR.
How much can you borrow via Credit Union of Southern California Share Secured Loan?
Personal loan amounts start at $500 .
What is the maximum loan term you can get with Credit Union of Southern California Share Secured Loan?
Credit Union of Southern California Share Secured Loan offers loans with terms of up to 120 months.
| Personal Loan Amount | Starting at $500 |
| Loan Term | up to 120 months |
| APR | Starting at 3.95% |
What fees does Credit Union of Southern California Share Secured Loan charge?
Does Credit Union of Southern California Share Secured Loan charge an origination fee?
Credit Union of Southern California Share Secured Loan may charge a personal loan origination fee .
Does Credit Union of Southern California Share Secured Loan charge a late fee?
Credit Union of Southern California Share Secured Loan does not disclose whether it charges late payment fees.
Does Credit Union of Southern California Share Secured Loan charge prepayment fees?
No, Credit Union of Southern California Share Secured 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 | No |
| Late Payment Fee | No |
What do you need to qualify for Credit Union of Southern California Share Secured Loan?
Credit Union of Southern California Share Secured 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. Credit Union of Southern California Share Secured 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 Credit Union of Southern California Share Secured 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 |
| Credit Score | N/A |
Does Credit Union of Southern California Share Secured Loan report your account activity to credit bureaus?
Yes, Credit Union of Southern California Share Secured 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 Credit Union of Southern California perform a hard credit pull?
Yes, Credit Union of Southern California Share Secured 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 Credit Union of Southern California Share Secured Loan legit?
Credit Union of Southern California was founded in 1954, it is a well-established company that has been in business for 72 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
9:00AM - 1:00PM