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  Ent Credit Union Personal Loans

Ent Credit Union Personal Loans

in Personal Loans from Ent Credit Union

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Ent Credit Union Personal Loans

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in Personal Loans from Ent Credit Union

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Highlights
APR  (Fixed APR) 7.49% - 17.3%
Loan Amount Starting at $500
Loan Term (Months) 48 - 72 months

Ent Credit Union Personal Loans Review

Ent Credit Union Personal Loans is offered by Ent Credit Union, a credit union founded in 1957 and based in Colorado Springs, CO. Ent Credit Union Personal Loans is available in 1 state across the USA.

Key Takeaways
  • APRs starting at 7.49%. These are average starting rates for a personal loan. If you have good credit you may qualify for a loan with better rates.
  • Prequalified rate. You can check your prequalified rate at Ent Credit Union with a soft pull that will not affect your credit score.
  • Coborrower applications accepted. Applying for Ent Credit Union Personal Loans with a coborrower who has better credit than you can improve your chances of approval and help you qualify for lower interest rates.
  • Super long loan terms. Ent Credit Union Personal Loans offers loan terms of up to 72 months. Most personal loans have a maximum term of 60 months.
Ent personal loan Pros & Cons
Pros Cons
  • $0 prepayment fee.
  • Considers applicants with fair credit.
  • Accepts coborrowers.
  • Charges an origination fee.
  • Charges a late fee.
Ent personal loan FAQ

What interest rates and personal loan terms does Ent personal loan offer?

Ent personal loan has lower than average interest rates for lenders reviewed on SuperMoney.

What interest rates does Ent personal loan offer?

Ent personal loan offers a fixed APR personal loan product that ranges from 7.49% APR up to 17.3% APR.

How much can you borrow via Ent personal loan?

Business loan amounts start at $500.

What is the maximum loan term you can get with Ent personal loan?

Ent personal loan offers loans with terms of up to 72 months.

Ent personal loan Interest Rates & Loan Terms
Personal Loan Amount Starting at $500
Loan Term 48 - 72 months
APR 7.49% - 17.3%

What fees does Ent personal loan charge?

Does Ent personal loan charge an origination fee?

Ent personal loan may charge a personal loan origination fee.

Does Ent personal loan charge a late fee?

Yes, Ent personal loan may charge borrowers a late payment fee if you miss one of the monthly payments, which is triggered if you're 10 days late.

Does Ent personal loan charge prepayment fees?

No, Ent 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.

Ent personal loan Fees
Origination Fee No
Prepayment Fee No
Late Payment Fee Starting at $15

What do you need to qualify for Ent Credit Union Personal Loans?

Applicants with a credit score of at least 590 and up to 840 may be eligible for Ent Credit Union Personal Loans. The minimum age to be eligible is 18 or the state minimum, whichever is higher.

Ent Credit Union Personal Loans does not have or does not disclose a minimum annual income eligibility requirement. Ent Credit Union Personal Loans will consider borrowers regardless of their employment status if they can prove their ability to repay their obligations. Note that borrowers can add a co-borrower to either meet eligibility requirements or qualify for lower interest rates.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. Active duty service members and their covered dependents are eligible to apply for a loan via Ent Credit Union Personal Loans. Their rates fall within the limits of The Military Lending Act.

U.S. citizens are, of course, eligible for the services offered by Ent Credit Union Personal Loans. Permanent resident / green card holders are also eligible to apply.

To qualify, applicants may need to provide the following documentation:

  • Government issued photo ID
  • Proof of identity
  • Proof of residence
Ent personal loan Eligibility Criteria
Minimum Age 18
Bank Account Required? No
Application Types Accepted
  • Co-borrowers
  • Credit Score 590 - 840

    Does Ent Credit Union Personal Loans report your account activity to credit bureaus?

    Yes, Ent Credit Union Personal Loans reports your account activity to the following credit reporting agencies:

    • 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 improve your credit.

    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.

    Contact

    Hours of Operation

    • Sunday Closed
    • Monday 8:00am - 5:00pm
    • Tuesday 8:00am - 5:00pm
    • Wednesday 8:00am - 5:00pm
    • Thursday 8:00am - 5:00pm
    • Friday 8:00am - 5:00pm
    • Saturday 9:00am - 2:00pm

    Other Services by Ent Credit Union

    Availability

      Available in 1 state
    Colorado
    Availabile in all of Colorado

    Feature Breakdown

    No Prepayment Fee
    Late Fee Amount Starting at $15
    Late Fee Grace Period 10 days
    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    • Unemployed
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Joint Loan Applications Accepted
    • Co-borrower
    Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
    Minimum Age 18
    Supported Income Types
    • 1099 Misc. Income
    • Cash
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
    • Tax Returns
    Verification Documents Required
    • Government Issued Photo ID
    • Proof of Identity
    • Proof of Residence
    • Social Security Number
    Credit Score Range 590 - 840
    Credit Bureau Reporting
    • Equifax
    • Experian
    • TransUnion
    Payment Options
    • Automatic Payments
    • Bank Transfer
    • Cash
    • Check by mail
    • Storefront
    Pre-Approved Soft Credit Inquiry
    Loan Amount Starting at $500
    APR (Fixed APR) 7.49% - 17.3%
    Loan Term 48 - 72 months

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