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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
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

  • Fair credit accepted. The credit score needed for Ent Credit Union Personal Loans is relatively low. Borrowers with a credit score as low as 590 may qualify for Ent Credit Union Personal Loans.
  • 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 Credit Union Personal Loans Pros and Cons:

Pros Cons
  • $0 prepayment fee.
  • Considers applicants with poor credit.
  • Charges an origination fee.
  • Charges a late fee.
  • No co-sign option.

What rates and terms does Ent Credit Union Personal Loans offer?

Ent Credit Union Personal Loans has lower interest rates than the average for lenders reviewed on SuperMoney.

What APR rate does Ent Credit Union Personal Loans offer?

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

Your APR can vary depending on several factors, such as your credit score. Find out what your credit score is and whether there is any false or inaccurate information in your credit history with these credit monitoring tools.

How much can you borrow via Ent Credit Union Personal Loans?

Loan amounts start at $500.

What can a personal loan from Ent Credit Union Personal Loans be used for?

Personal loans from Ent Credit Union Personal Loans are typically used for special purchases or similar purposes.

What is the maximum loan term you can get with Ent Credit Union Personal Loans?

Ent Credit Union Personal Loans offers personal loans with terms ranging from 48 to 72 months. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your loan, the more interest you will pay.

Ent Credit Union Personal Loans Rates & Terms
Loan Amount Starting at $500
Loan Term 48 - 72 months
APR 7.49% - 17.3%

What fees does Ent Credit Union Personal Loans charge?

Does Ent Credit Union Personal Loans charge an origination fee?

Ent Credit Union Personal Loans may charge a loan origination fee.

Does Ent Credit Union Personal Loans charge a late fee?

Yes, Ent Credit Union Personal Loans may charge borrowers a late payment fee, which is triggered if you're 10 days late.

Does Ent Credit Union Personal Loans charge prepayment fees?

No, Ent 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 loan off early.

Ent Credit Union Personal Loans Fees
Origination Fee N/A
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 are 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.

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 Credit Union Personal Loans 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?

    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 can 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...

    Availability

      Available in 1 state
    Colorado
    Availabile in all of Colorado

    Feature Breakdown

    No Prepayment Fee  
    Late Fee After 10 days
    Late Fee Amount Starting at $15
    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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