Last Updated: 04/18/2025
Empeople Credit Union Home Improvement Loan
Unaffiliated
in Personal Loans from Empeople Credit Union
Last Updated: 04/18/2025
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Highlights
APR (Fixed APR)
Starting at 17.90%(Verified 06/22/2024)
Amount Range
Up to $25,000
Loan Term (Months)
Up to 180
Empeople Credit Union Home Improvement Loan Review
Empeople Credit Union Home Improvement Loan is offered by Empeople Credit Union, a credit union founded in 1935 and based in Moline, IL. Empeople Credit Union Home Improvement Loan are available in 50 states, 5 US territories, and Washington, DC.
Key Takeaways
- APRs starting at 17.90%. Personal loan interest rates typically range between 9% and 36%. The starting rates for Empeople Credit Union Home Improvement Loan are on the higher end of the spectrum.
- No origination fee. Empeople Credit Union Home Improvement Loan does not charge a loan origination fee.
- Super long loan terms. Empeople Credit Union Home Improvement Loan offers loan terms of up to 180 months. Most personal loans have a maximum term of 60 months.
Empeople Credit Union Home Improvement Loan Pros & Cons
| Pros | Cons |
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Empeople Credit Union Home Improvement Loan FAQ
What interest rates and personal loan terms does Empeople Credit Union Home Improvement Loan offer?
Empeople Credit Union Home Improvement Loan has higher than average interest rates for lenders reviewed on SuperMoney.
What interest rates does Empeople Credit Union Home Improvement Loan offer?
Empeople Credit Union Home Improvement Loan offers a fixed APR personal loan product that starts at 17.90% APR.
What is the maximum loan term you can get with Empeople Credit Union Home Improvement Loan?
Empeople Credit Union Home Improvement Loan offers loans with terms of up to 180 months.
| Personal Loan Amount | up to $25000.00 |
| Loan Term | up to 180 months |
| APR | Starting at 17.90% |
What fees does Empeople Credit Union Home Improvement Loan charge?
Does Empeople Credit Union Home Improvement Loan charge an origination fee?
Empeople Credit Union Home Improvement Loan does not charge a personal loan origination fee.
A personal loan origination fee is what some lenders charge for processing, underwriting, and funding a personal loan. Typically origination fees range from 0.5% to 5% of the personal loan amount. Whenever possible, consider lenders that don’t charge origination fees.
Does Empeople Credit Union Home Improvement Loan charge a late fee?
Empeople Credit Union Home Improvement Loan does not disclose whether it charges late payment fees.
Does Empeople Credit Union Home Improvement Loan charge prepayment fees?
No, Empeople Credit Union Home Improvement 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 | 0.00% |
| Prepayment Fee | N/A |
| Late Payment Fee | No |
What do you need to qualify for Empeople Credit Union Home Improvement Loan?
Applicants with a credit score that ranges above 650 may be eligible for Empeople Credit Union Home Improvement Loan. The minimum age to be eligible is 18 or the state minimum, whichever is higher. Empeople Credit Union Home Improvement 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 Empeople Credit Union Home Improvement 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 | Starting at 650 |
Does Empeople Credit Union Home Improvement Loan report your account activity to credit bureaus?
Yes, Empeople Credit Union Home Improvement 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 Empeople Credit Union perform a hard credit pull?
Yes, Empeople Credit Union Home Improvement 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 Empeople Credit Union Home Improvement Loan legit?
Empeople Credit Union was founded in 1935, it is a well-established company that has been in business for 91 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 - 4:30PM
Tuesday
9:00AM - 4:30PM
Wednesday
9:00AM - 4:30PM
Thursday
9:00AM - 4:30PM
Friday
9:00AM - 4:30PM
Saturday
Closed