Last Updated: 04/18/2025
E-Central Credit Union Certificate Secured Loan
Unaffiliated
in Personal Loans from E-Central Credit Union
Last Updated: 04/18/2025
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Highlights
APR (Fixed APR)
4.19% - 5.64%(Verified 06/21/2024)
Amount Range
N/A
Loan Term (Months)
Up to 120
E-Central Credit Union Certificate Secured Loan Review
E-Central Credit Union Certificate Secured Loan is offered by E-Central Credit Union, a credit union founded in 1943 and based in Pasadena, CA. E-Central Credit Union Certificate Secured Loan are available in 50 states and Washington, DC.
Key Takeaways
- APRs starting at 4.19%. Personal loan interest rates typically range between 9% and 36%. The starting rates for E-Central Credit Union Certificate Secured Loan are on the lower end of the spectrum.
- Super long loan terms. E-Central Credit Union Certificate Secured Loan offers loan terms of up to 120 months. Most personal loans have a maximum term of 60 months.
E-Central Credit Union Certificate Secured Loan Pros & Cons
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E-Central Credit Union Certificate Secured Loan FAQ
What interest rates and personal loan terms does E-Central Credit Union Certificate Secured Loan offer?
E-Central Credit Union Certificate Secured Loan has lower than average interest rates for lenders reviewed on SuperMoney.
What interest rates does E-Central Credit Union Certificate Secured Loan offer?
E-Central Credit Union Certificate Secured Loan offers a fixed APR personal loan product that ranges from 4.19% APR up to 5.64% APR.
What is the maximum loan term you can get with E-Central Credit Union Certificate Secured Loan?
E-Central Credit Union Certificate Secured Loan offers loans with terms of up to 120 months.
| Personal Loan Amount | N/A |
| Loan Term | up to 120 months |
| APR | 4.19% - 5.64% |
What fees does E-Central Credit Union Certificate Secured Loan charge?
Does E-Central Credit Union Certificate Secured Loan charge an origination fee?
E-Central Credit Union Certificate Secured Loan may charge a personal loan origination fee .
Does E-Central Credit Union Certificate Secured Loan charge a late fee?
E-Central Credit Union Certificate Secured Loan does not disclose whether it charges late payment fees.
Does E-Central Credit Union Certificate Secured Loan charge prepayment fees?
No, E-Central Credit Union Certificate 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 | N/A |
| Late Payment Fee | No |
What do you need to qualify for E-Central Credit Union Certificate Secured Loan?
E-Central Credit Union Certificate 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. E-Central Credit Union Certificate 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 E-Central Credit Union Certificate 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 E-Central Credit Union Certificate Secured Loan report your account activity to credit bureaus?
Yes, E-Central Credit Union Certificate 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 E-Central Credit Union perform a hard credit pull?
Yes, E-Central Credit Union Certificate 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 E-Central Credit Union Certificate Secured Loan legit?
E-Central Credit Union was founded in 1943, it is a well-established company that has been in business for 83 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
9:30AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:30AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed