Last Updated: 04/18/2025
Edwards FCU Personal Loan
Unaffiliated
Last Updated: 04/18/2025
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Highlights
APR (Fixed APR)
Starting at 9.99%(Verified 07/15/2024)
Amount Range
$500 - $30,000
Loan Term (Months)
Up to 60
Edwards FCU Personal Loan Review
Edwards FCU Personal Loan is offered by Edwards Federal Credit Union, a credit union founded in 1962 and based in Palmdale, CA. Edwards FCU Personal Loan are available in 50 states, 5 US territories, and Washington, DC.
Key Takeaways
- APRs starting at 9.99%. Personal loan interest rates typically range between 9% and 36%. The starting rates for Edwards FCU Personal Loan are on the lower end of the spectrum.
Edwards FCU Personal Loan Pros & Cons
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Edwards FCU Personal Loan FAQ
What interest rates and personal loan terms does Edwards FCU Personal Loan offer?
What interest rates does Edwards FCU Personal Loan offer?
Edwards FCU Personal Loan offers a fixed APR personal loan product that starts at 9.99% APR.
How much can you borrow via Edwards FCU Personal Loan?
Personal loan amounts start at $500.00 and go up to $30,000.00
What is the maximum loan term you can get with Edwards FCU Personal Loan?
Edwards FCU Personal Loan offers loans with terms of up to 60 months.
| Personal Loan Amount | $500.00 - $30000.00 |
| Loan Term | up to 60 months |
| APR | Starting at 9.99% |
What fees does Edwards FCU Personal Loan charge?
Does Edwards FCU Personal Loan charge an origination fee?
Edwards FCU Personal Loan may charge a personal loan origination fee .
Does Edwards FCU Personal Loan charge a late fee?
Yes, Edwards FCU Personal Loan may charge a late payment fee if you miss one of the regularly scheduled payments of up to $25.00.
Does Edwards FCU Personal Loan charge prepayment fees?
No, Edwards FCU 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 | No |
| Late Payment Fee | $25.00 |
What do you need to qualify for Edwards FCU Personal Loan?
Edwards FCU 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. Edwards FCU 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 Edwards FCU Personal 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 Edwards FCU Personal Loan report your account activity to credit bureaus?
Yes, Edwards FCU 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 Edwards Federal Credit Union perform a hard credit pull?
Yes, Edwards FCU 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 Edwards FCU Personal Loan 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.
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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 - 5:00PM