Last Updated: 04/18/2025
EFCU Financial FCU Stock Loans
Unaffiliated
Last Updated: 04/18/2025
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Highlights
APR (Fixed APR)
5.50% - 7.75%(Verified 06/21/2024)
Amount Range
N/A
Loan Term (Months)
Starting at 1
EFCU Financial FCU Stock Loans Review
EFCU Financial FCU Stock Loans is offered by EFCU Financial Federal Credit Union, a credit union founded in 1934 and based in Baton Rouge, LA. EFCU Financial FCU Stock Loans are available in 50 states and Washington, DC.
Key Takeaways
- APRs starting at 5.50%. Personal loan interest rates typically range between 9% and 36%. The starting rates for EFCU Financial FCU Stock Loans are on the lower end of the spectrum.
- Cosigner and coborrower applications accepted. A cosigner or coborrower can help you qualify for better rates and terms when applying for EFCU Financial FCU Stock Loans.
- Short loan terms. EFCU Financial FCU Stock Loans have loan terms as short as 1 month.
EFCU Financial FCU Stock Loans Pros & Cons
| Pros | Cons |
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EFCU Financial FCU Stock Loans FAQ
What interest rates and personal loan terms does EFCU Financial FCU Stock Loans offer?
EFCU Financial FCU Stock Loans has lower than average interest rates for lenders reviewed on SuperMoney.
What interest rates does EFCU Financial FCU Stock Loans offer?
EFCU Financial FCU Stock Loans offers a fixed APR personal loan product that ranges from 5.50% APR up to 7.75% APR.
| Personal Loan Amount | N/A |
| Loan Term | Starting at 1 months |
| APR | 5.50% - 7.75% |
What fees does EFCU Financial FCU Stock Loans charge?
Does EFCU Financial FCU Stock Loans charge an origination fee?
EFCU Financial FCU Stock Loans may charge a personal loan origination fee .
Does EFCU Financial FCU Stock Loans charge a late fee?
EFCU Financial FCU Stock Loans does not disclose whether it charges late payment fees.
Does EFCU Financial FCU Stock Loans charge prepayment fees?
No, EFCU Financial FCU Stock 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 EFCU Financial FCU Stock Loans?
EFCU Financial FCU Stock 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. EFCU Financial FCU Stock 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 EFCU Financial FCU Stock 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 |
|
| Credit Score | N/A |
Does EFCU Financial FCU Stock Loans report your account activity to credit bureaus?
Yes, EFCU Financial FCU Stock 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 EFCU Financial Federal Credit Union perform a hard credit pull?
Yes, EFCU Financial FCU Stock 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 EFCU Financial FCU Stock Loans legit?
EFCU Financial Federal Credit Union was founded in 1934, it is a well-established company that has been in business for 92 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
8:30AM - 5:00PM
Tuesday
8:30AM - 5:00PM
Wednesday
8:30AM - 5:00PM
Thursday
8:30AM - 5:00PM
Friday
8:30AM - 5:00PM
Saturday
Closed
Other Services by EFCU Financial Federal Credit Union
Home Equity Lines of Credit
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Other Personal Loans from EFCU Financial Federal Credit Union
Rating not yet determined
APR
11.00% - 18.00%
Disclaimer popup with additional information
Amount Range
N/A
Loan Term (Months)
Up to 60
Rating not yet determined
APR
2.50% - 3.50%
Disclaimer popup with additional information
Amount Range
N/A
Loan Term (Months)
Up to 120
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Learn MoreSuperMoney Net Recommendation Score
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