Last Updated: 04/18/2025
Electro Savings Credit Union Personal Loans
Unaffiliated
Last Updated: 04/18/2025
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Highlights
APR (Variable APR)
Starting at 3.50%(Verified 06/21/2024)
Amount Range
N/A
Loan Term (Months)
N/A
Electro Savings Credit Union Personal Loans Review
Electro Savings Credit Union Personal Loans is offered by Electro Savings Credit Union, a credit union founded in 1941 and based in St. Louis, MO. Electro Savings Credit Union Personal Loans are available in 50 states and Washington, DC.
Key Takeaways
- Uses a variable APR. This is uncommon for personal loans. If interest rates rise in the future it could make the monthly payments more challenging. Personal loan interest rates typically range between 9% and 36%. The starting rates for Electro Savings Credit Union Personal Loans are on the lower end of the spectrum.
Electro Savings Credit Union Personal Loans Pros & Cons
| Pros | Cons |
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Electro Savings Credit Union Personal Loans FAQ
What interest rates and personal loan terms does Electro Savings Credit Union Personal Loans offer?
Electro Savings Credit Union Personal Loans has lower than average interest rates for lenders reviewed on SuperMoney.
What interest rates does Electro Savings Credit Union Personal Loans offer?
Electro Savings Credit Union Personal Loans offers a variable APR personal loan product that starts at 3.50% APR.
| Personal Loan Amount | N/A |
| Loan Term | N/A |
| APR | Starting at 3.50% |
What fees does Electro Savings Credit Union Personal Loans charge?
Does Electro Savings Credit Union Personal Loans charge an origination fee?
Electro Savings Credit Union Personal Loans may charge a personal loan origination fee .
Does Electro Savings Credit Union Personal Loans charge a late fee?
Electro Savings Credit Union Personal Loans does not disclose whether it charges late payment fees.
Does Electro Savings Credit Union Personal Loans charge prepayment fees?
No, Electro Savings Credit Union Personal 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 Electro Savings Credit Union Personal Loans?
Electro Savings Credit Union Personal 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. Electro Savings Credit Union Personal Loans 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 Electro Savings Credit Union Personal Loans.
To qualify, applicants may need to provide the following documentation:
- Driver's license or other government photo ID
- Proof of identity
- Proof of citizenship or residence permit
| Minimum Age | 18 |
| Bank Account Required? | No |
| Application Types Accepted |
|
| Credit Score | N/A |
Does Electro Savings Credit Union Personal Loans report your account activity to credit bureaus?
Yes, Electro Savings Credit Union Personal 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 Electro Savings Credit Union perform a hard credit pull?
Yes, Electro Savings Credit Union Personal 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 Electro Savings Credit Union Personal Loans legit?
Electro Savings Credit Union was founded in 1941, it is a well-established company that has been in business for 85 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
10:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:30PM
Saturday
9:00AM - 12:00PM
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