Last Updated: 04/18/2025
Financial Center FCU Personal Loans
Unaffiliated
Last Updated: 04/18/2025
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Highlights
APR (Fixed APR)
Starting at 10.50%(Verified 06/21/2024)
Amount Range
Up to $20,000
Loan Term (Months)
N/A
Financial Center FCU Personal Loans Review
Financial Center FCU Personal Loans is offered by Financial Center First Credit Union, a credit union founded in 1953 and based in Indianapolis, IN. Financial Center FCU Personal Loans are available in 50 states and Washington, DC.
Key Takeaways
- APRs starting at 10.50%. Personal loan interest rates typically range between 9% and 36%. The starting rates for Financial Center FCU Personal Loans are on the higher end of the spectrum.
- No origination fee. Financial Center FCU Personal Loans does not charge a loan origination fee.
- Cosigner and coborrower applications accepted. A cosigner or coborrower can help you qualify for better rates and terms when applying for Financial Center FCU Personal Loans.
Financial Center FCU Personal Loans Pros & Cons
| Pros | Cons |
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Financial Center FCU Personal Loans FAQ
What interest rates and personal loan terms does Financial Center FCU Personal Loans offer?
Financial Center FCU Personal Loans has higher than average interest rates for lenders reviewed on SuperMoney.
What interest rates does Financial Center FCU Personal Loans offer?
Financial Center FCU Personal Loans offers a fixed APR personal loan product that starts at 10.50% APR.
| Personal Loan Amount | up to $20000.00 |
| Loan Term | N/A |
| APR | Starting at 10.50% |
What fees does Financial Center FCU Personal Loans charge?
Does Financial Center FCU Personal Loans charge an origination fee?
Financial Center FCU Personal Loans 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 Financial Center FCU Personal Loans charge a late fee?
Financial Center FCU Personal Loans does not disclose whether it charges late payment fees.
Does Financial Center FCU Personal Loans charge prepayment fees?
No, Financial Center FCU Personal 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 | 0.00% |
| Prepayment Fee | No |
| Late Payment Fee | No |
What do you need to qualify for Financial Center FCU Personal Loans?
Applicants with a credit score that ranges above 780 may be eligible for Financial Center FCU Personal Loans. The minimum age to be eligible is 18 or the state minimum, whichever is higher. Financial Center FCU Personal 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 Financial Center FCU Personal 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 | Starting at 780 |
Does Financial Center FCU Personal Loans report your account activity to credit bureaus?
Yes, Financial Center FCU Personal 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 Financial Center First Credit Union perform a hard credit pull?
Yes, Financial Center FCU Personal 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 Financial Center FCU Personal Loans legit?
Financial Center First Credit Union was founded in 1953, it is a well-established company that has been in business for 73 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.
Contact
Headquarters
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
10:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 6:00PM
Saturday
10:00AM - 1:00PM
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Learn MoreSuperMoney Net Recommendation Score
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