Last Updated: 04/18/2025
Ferguson FCU Credit Builder Loans
Unaffiliated
Last Updated: 04/18/2025
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Highlights
APR (Fixed APR)
N/A
Amount Range
N/A
Loan Term (Months)
Up to 12
Ferguson FCU Credit Builder Loans Review
Ferguson FCU Credit Builder Loans is offered by Ferguson Federal Credit Union, a credit union founded in and based in Monticello, MS. Ferguson FCU Credit Builder Loans are available in 50 states and Washington, DC.
Key Takeaways
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Ferguson FCU Credit Builder Loans Pros & Cons
| Pros | Cons |
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Ferguson FCU Credit Builder Loans FAQ
What interest rates and personal loan terms does Ferguson FCU Credit Builder Loans offer?
Ferguson FCU Credit Builder Loans has lower than average interest rates for lenders reviewed on SuperMoney.
What interest rates does Ferguson FCU Credit Builder Loans offer?
Ferguson FCU Credit Builder Loans offers a fixed APR personal loan product but they do not disclose their interest rates.
What is the maximum loan term you can get with Ferguson FCU Credit Builder Loans?
Ferguson FCU Credit Builder Loans offers loans with terms of up to 12 months.
| Personal Loan Amount | N/A |
| Loan Term | up to 12 months |
| APR | N/A |
What fees does Ferguson FCU Credit Builder Loans charge?
Does Ferguson FCU Credit Builder Loans charge an origination fee?
Ferguson FCU Credit Builder Loans may charge a personal loan origination fee .
Does Ferguson FCU Credit Builder Loans charge a late fee?
Ferguson FCU Credit Builder Loans does not disclose whether it charges late payment fees.
Does Ferguson FCU Credit Builder Loans charge prepayment fees?
No, Ferguson FCU Credit Builder 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 | Starting at $25.00 |
What do you need to qualify for Ferguson FCU Credit Builder Loans?
Ferguson FCU Credit Builder 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. Ferguson FCU Credit Builder Loans 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 Ferguson FCU Credit Builder 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 |
| Credit Score | N/A |
Does Ferguson FCU Credit Builder Loans report your account activity to credit bureaus?
Yes, Ferguson FCU Credit Builder 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 Ferguson Federal Credit Union perform a hard credit pull?
Yes, Ferguson FCU Credit Builder 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.
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
8:30AM - 4:30PM
Tuesday
8:30AM - 4:30PM
Wednesday
8:30AM - 4:30PM
Thursday
8:30AM - 4:30PM
Friday
9:00AM - 5:00PM
Saturday
Closed