Is Excel FCU Save As You Pay Loans the right fit for you?
Last Updated: 04/18/2025
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Highlights
APR (Fixed APR)
9.00% - 18.00%(Verified 06/21/2024)
Amount Range
Starting at $200
Loan Term (Months)
N/A
Excel FCU Save As You Pay Loans Review
Excel FCU Save As You Pay Loans is offered by Excel Federal Credit Union, a credit union founded in 1952 and based in Norcross, GA. Excel FCU Save As You Pay Loans are available in 50 states, 5 US territories, and Washington, DC.
Key Takeaways
- APRs starting at 9.00%. Personal loan interest rates typically range between 9% and 36%. The starting rates for Excel FCU Save As You Pay Loans are on the lower end of the spectrum.
- Cosigner and coborrower applications accepted. A cosigner or coborrower can help you qualify for better rates and terms when applying for Excel FCU Save As You Pay Loans.
Excel FCU Save As You Pay Loans Pros & Cons
| Pros | Cons |
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Excel FCU Save As You Pay Loans FAQ
What interest rates and personal loan terms does Excel FCU Save As You Pay Loans offer?
What interest rates does Excel FCU Save As You Pay Loans offer?
Excel FCU Save As You Pay Loans offers a fixed APR personal loan product that ranges from 9.00% APR up to 18.00% APR.
How much can you borrow via Excel FCU Save As You Pay Loans?
Personal loan amounts start at $200.00 .
| Personal Loan Amount | Starting at $200.00 |
| Loan Term | N/A |
| APR | 9.00% - 18.00% |
What fees does Excel FCU Save As You Pay Loans charge?
Does Excel FCU Save As You Pay Loans charge an origination fee?
Excel FCU Save As You Pay Loans may charge a personal loan origination fee .
Does Excel FCU Save As You Pay Loans charge a late fee?
Excel FCU Save As You Pay Loans does not disclose whether it charges late payment fees.
Does Excel FCU Save As You Pay Loans charge prepayment fees?
No, Excel FCU Save As You Pay 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 Excel FCU Save As You Pay Loans?
Excel FCU Save As You Pay 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. Excel FCU Save As You Pay Loans does not have or does not disclose a minimum annual income eligibility requirement. Note that borrowers can add a cosigner or a co-borrower to either meet eligibility requirements or qualify for lower interest rates.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Excel FCU Save As You Pay Loans.
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 |
| Application Types Accepted |
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| Credit Score | N/A |
Does Excel FCU Save As You Pay Loans report your account activity to credit bureaus?
Yes, Excel FCU Save As You Pay 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 Excel Federal Credit Union perform a hard credit pull?
Yes, Excel FCU Save As You Pay 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 Excel FCU Save As You Pay Loans legit?
Excel Federal Credit Union. was founded in 1952, it is a well-established company that has been in business for 74 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.
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Other Services by Excel Federal Credit Union
Other Personal Loans from Excel Federal Credit Union
Rating not yet determined
APR
5.00%
Disclaimer popup with additional information
Amount Range
Starting at $200
Loan Term (Months)
N/A
Rating not yet determined
APR
9.00% - 18.00%
Disclaimer popup with additional information
Amount Range
Starting at $200
Loan Term (Months)
N/A
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