Last Updated: 04/18/2025
Edwards FCU Home Improvement Loans
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Last Updated: 04/18/2025
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Highlights
APR (Fixed APR)
Up to 6.99%(Verified 07/15/2024)
Amount Range
$1,000 - $75,000
Loan Term (Months)
36 - 120
Edwards FCU Home Improvement Loans Review
Edwards FCU Home Improvement Loans is offered by Edwards Federal Credit Union, a credit union founded in 1962 and based in Palmdale, CA. Edwards FCU Home Improvement Loans are available in 50 states, 5 US territories, and Washington, DC.
Key Takeaways
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- Large loan amounts. You can apply for loan amounts of up to $75,000.00 with Edwards FCU Home Improvement Loans .
- Cosigner and coborrower applications accepted. A cosigner or coborrower can help you qualify for better rates and terms when applying for Edwards FCU Home Improvement Loans.
- Super long loan terms. Edwards FCU Home Improvement Loans offers loan terms of up to 120 months. Most personal loans have a maximum term of 60 months.
Edwards FCU Home Improvement Loans Pros & Cons
| Pros | Cons |
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Edwards FCU Home Improvement Loans FAQ
What interest rates and personal loan terms does Edwards FCU Home Improvement Loans offer?
Edwards FCU Home Improvement Loans has lower than average interest rates for lenders reviewed on SuperMoney.
What interest rates does Edwards FCU Home Improvement Loans offer?
Edwards FCU Home Improvement Loans offers a fixed APR personal loan product up to 6.99% APR.
How much can you borrow via Edwards FCU Home Improvement Loans?
Personal loan amounts start at $1,000.00 and go up to $75,000.00
What is the maximum loan term you can get with Edwards FCU Home Improvement Loans?
Edwards FCU Home Improvement Loans offers loans with terms of up to 120 months.
| Personal Loan Amount | $1000.00 - $75000.00 |
| Loan Term | 36 - 120 months |
| APR | up to 6.99% |
What fees does Edwards FCU Home Improvement Loans charge?
Does Edwards FCU Home Improvement Loans charge an origination fee?
Edwards FCU Home Improvement Loans may charge a personal loan origination fee .
Does Edwards FCU Home Improvement Loans charge a late fee?
Yes, Edwards FCU Home Improvement Loans may charge a late payment fee if you miss one of the regularly scheduled payments of up to $25.00.
Does Edwards FCU Home Improvement Loans charge prepayment fees?
No, Edwards FCU Home Improvement 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 | No |
| Late Payment Fee | $25.00 |
What do you need to qualify for Edwards FCU Home Improvement Loans?
Edwards FCU Home Improvement Loans 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. Edwards FCU Home Improvement Loans 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 Edwards FCU Home Improvement Loans.
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 Edwards FCU Home Improvement Loans report your account activity to credit bureaus?
Yes, Edwards FCU Home Improvement 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 Edwards Federal Credit Union perform a hard credit pull?
Yes, Edwards FCU Home Improvement 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 Edwards FCU Home Improvement Loans legit?
Edwards Federal Credit Union was founded in 1962, it is a well-established company that has been in business for 64 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
9:00AM - 5:00PM
Other Services by Edwards Federal Credit Union
Other Personal Loans from Edwards Federal Credit Union
Rating not yet determined
APR
Starting at 9.99%
Disclaimer popup with additional information
Amount Range
$500 - $30,000
Loan Term (Months)
Up to 60
Rating not yet determined
APR
3.75% - 6.85%
Disclaimer popup with additional information
Amount Range
N/A
Loan Term (Months)
N/A
Rating not yet determined
APR
2.05%
Disclaimer popup with additional information
Amount Range
N/A
Loan Term (Months)
N/A
Rating not yet determined
APR
Starting at 6.75%
Disclaimer popup with additional information
Amount Range
Up to $70,000
Loan Term (Months)
120
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Learn MoreSuperMoney Net Recommendation Score
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