Last Updated: 04/18/2025
Embold FCU Payday Alternative Loan
Unaffiliated
Last Updated: 04/18/2025
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Highlights
APR (Fixed APR)
15.00%(Verified 06/21/2024)
Amount Range
$200 - $750
Loan Term (Months)
Up to 6
Embold FCU Payday Alternative Loan Review
Embold FCU Payday Alternative Loan is offered by Embold Federal Credit Union, a credit union founded in 1957 and based in Oak Grove, OR. Embold FCU Payday Alternative Loan are available in 50 states and Washington, DC.
Key Takeaways
- APRs starting at 15.00%. Personal loan interest rates typically range between 9% and 36%. The starting rates for Embold FCU Payday Alternative Loan are on the higher end of the spectrum.
- Small-dollar loans. Embold FCU Payday Alternative Loan has a maximum loan amount of just $750.00 .
Embold FCU Payday Alternative Loan Pros & Cons
| Pros | Cons |
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Embold FCU Payday Alternative Loan FAQ
What interest rates and personal loan terms does Embold FCU Payday Alternative Loan offer?
Embold FCU Payday Alternative Loan has higher than average interest rates for lenders reviewed on SuperMoney.
What interest rates does Embold FCU Payday Alternative Loan offer?
Embold FCU Payday Alternative Loan offers a fixed APR personal loan product of 15.00%.
How much can you borrow via Embold FCU Payday Alternative Loan?
Personal loan amounts start at $200.00 and go up to $750.00
What is the maximum loan term you can get with Embold FCU Payday Alternative Loan?
Embold FCU Payday Alternative Loan offers loans with terms of up to 6 months.
| Personal Loan Amount | $200.00 - $750.00 |
| Loan Term | up to 6 months |
| APR | 15.00% |
What fees does Embold FCU Payday Alternative Loan charge?
Does Embold FCU Payday Alternative Loan charge an origination fee?
Embold FCU Payday Alternative Loan may charge a personal loan origination fee .
Does Embold FCU Payday Alternative Loan charge a late fee?
Embold FCU Payday Alternative Loan does not disclose whether it charges late payment fees.
Does Embold FCU Payday Alternative Loan charge prepayment fees?
No, Embold FCU Payday Alternative 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 Embold FCU Payday Alternative Loan?
Embold FCU Payday Alternative 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. Embold FCU Payday Alternative 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 Embold FCU Payday Alternative 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 Embold FCU Payday Alternative Loan report your account activity to credit bureaus?
Yes, Embold FCU Payday Alternative 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 Embold Federal Credit Union perform a hard credit pull?
Yes, Embold FCU Payday Alternative 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 Embold FCU Payday Alternative Loan legit?
Embold Federal Credit Union was founded in 1957, it is a well-established company that has been in business for 69 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 - 5:30PM
Tuesday
9:00AM - 5:30PM
Wednesday
9:00AM - 5:30PM
Thursday
9:00AM - 5:30PM
Friday
9:00AM - 5:30PM
Saturday
9:00AM - 1:00PM