Last Updated: 04/18/2025
DATCU Credit Union Personal Loans
Unaffiliated
in Personal Loans from DATCU Credit Union
Last Updated: 04/18/2025
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Highlights
APR (Variable APR)
Starting at 10.99%(Verified 08/25/2024)
Amount Range
N/A
Loan Term (Months)
Up to 60
DATCU Credit Union Personal Loans Review
DATCU Credit Union Personal Loans is offered by DATCU Credit Union, a credit union founded in 1936 and based in Corinth, TX. DATCU Credit Union Personal Loans 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 DATCU Credit Union Personal Loans are on the higher end of the market.
DATCU Credit Union Personal Loans Pros & Cons
| Pros | Cons |
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DATCU Credit Union Personal Loans FAQ
What interest rates and personal loan terms does DATCU Credit Union Personal Loans offer?
DATCU Credit Union Personal Loans has higher than average interest rates for lenders reviewed on SuperMoney.
What interest rates does DATCU Credit Union Personal Loans offer?
DATCU Credit Union Personal Loans offers a variable APR personal loan product that starts at 10.99% APR.
What is the maximum loan term you can get with DATCU Credit Union Personal Loans?
DATCU Credit Union Personal Loans offers loans with terms of up to 60 months.
| Personal Loan Amount | N/A |
| Loan Term | up to 60 months |
| APR | Starting at 10.99% |
What fees does DATCU Credit Union Personal Loans charge?
Does DATCU Credit Union Personal Loans charge an origination fee?
DATCU Credit Union Personal Loans may charge a personal loan origination fee .
Does DATCU Credit Union Personal Loans charge a late fee?
DATCU Credit Union Personal Loans does not disclose whether it charges late payment fees.
Does DATCU Credit Union Personal Loans charge prepayment fees?
No, DATCU Credit Union 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 DATCU Credit Union Personal Loans?
DATCU Credit Union Personal Loans does not require or does not disclose a credit score minimum. DATCU Credit Union Personal Loans 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 DATCU Credit Union Personal Loans.
To qualify, applicants may need to provide the following documentation:
- Proof of income
- Driver's license or other government photo ID
- Proof of identity
- Proof of citizenship or residence permit
- Proof of residence
| Minimum Age | N/A |
| Bank Account Required? | No |
| Credit Score | N/A |
Does DATCU Credit Union Personal Loans report your account activity to credit bureaus?
Yes, DATCU Credit Union Personal Loans 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 DATCU Credit Union perform a hard credit pull?
Yes, DATCU Credit Union Personal Loans 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 DATCU Credit Union Personal Loans legit?
DATCU Credit Union was founded in 1936, it is a well-established company that has been in business for 90 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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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
9:00AM - 1:00PM