Last Updated: 04/18/2025
E-Central Credit Union Personal Loan
Unaffiliated
in Personal Loans from E-Central Credit Union
Last Updated: 04/18/2025
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Highlights
APR (Fixed APR)
12.20% - 12.45%(Verified 06/21/2024)
Amount Range
N/A
Loan Term (Months)
Up to 36
E-Central Credit Union Personal Loan Review
E-Central Credit Union Personal Loan is offered by E-Central Credit Union, a credit union founded in 1943 and based in Pasadena, CA. E-Central Credit Union Personal Loan are available in 50 states and Washington, DC.
Key Takeaways
- APRs starting at 12.20%. Personal loan interest rates typically range between 9% and 36%. The starting rates for E-Central Credit Union Personal Loan are on the higher end of the spectrum.
E-Central Credit Union Personal Loan Pros & Cons
| Pros | Cons |
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E-Central Credit Union Personal Loan FAQ
What interest rates and personal loan terms does E-Central Credit Union Personal Loan offer?
E-Central Credit Union Personal Loan has higher than average interest rates for lenders reviewed on SuperMoney.
What interest rates does E-Central Credit Union Personal Loan offer?
E-Central Credit Union Personal Loan offers a fixed APR personal loan product that ranges from 12.20% APR up to 12.45% APR.
What is the maximum loan term you can get with E-Central Credit Union Personal Loan?
E-Central Credit Union Personal Loan offers loans with terms of up to 36 months.
| Personal Loan Amount | N/A |
| Loan Term | up to 36 months |
| APR | 12.20% - 12.45% |
What fees does E-Central Credit Union Personal Loan charge?
Does E-Central Credit Union Personal Loan charge an origination fee?
E-Central Credit Union Personal Loan may charge a personal loan origination fee .
Does E-Central Credit Union Personal Loan charge a late fee?
E-Central Credit Union Personal Loan does not disclose whether it charges late payment fees.
Does E-Central Credit Union Personal Loan charge prepayment fees?
No, E-Central Credit Union Personal 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 Personal Loan?
E-Central Credit Union 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. E-Central Credit Union Personal 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 Personal Loan. Not all companies will work with visa holders. E-Central Credit Union does offer its services to temporary resident visa holders such as F1 or H1B holders.
To qualify, applicants may need to provide the following documentation:
- Recent pay stubs
- 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 Personal Loan report your account activity to credit bureaus?
Yes, E-Central Credit Union Personal 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 Personal 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 Personal 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