Last Updated: 04/18/2025
Firelands FCU SMART Loans
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Last Updated: 04/18/2025
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Highlights
APR (Fixed APR)
28.00%(Verified 06/21/2024)
Amount Range
Up to $2,000
Loan Term (Months)
Up to 12
Firelands FCU SMART Loans Review
Firelands FCU SMART Loans is offered by Firelands Federal Credit Union, a credit union founded in 1957 and based in Bellevue, OH. Firelands FCU SMART Loans are available in 50 states and Washington, DC.
Key Takeaways
- APRs starting at 28.00%. Personal loan interest rates typically range between 9% and 36%. The starting rates for Firelands FCU SMART Loans are on the higher end of the spectrum.
Firelands FCU SMART Loans Pros & Cons
| Pros | Cons |
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Firelands FCU SMART Loans FAQ
What interest rates and personal loan terms does Firelands FCU SMART Loans offer?
Firelands FCU SMART Loans has higher than average interest rates for lenders reviewed on SuperMoney.
What interest rates does Firelands FCU SMART Loans offer?
Firelands FCU SMART Loans offers a fixed APR personal loan product of 28.00%.
What is the maximum loan term you can get with Firelands FCU SMART Loans?
Firelands FCU SMART Loans offers loans with terms of up to 12 months.
| Personal Loan Amount | up to $2000 |
| Loan Term | up to 12 months |
| APR | 28.00% |
What fees does Firelands FCU SMART Loans charge?
Does Firelands FCU SMART Loans charge an origination fee?
Firelands FCU SMART Loans may charge a personal loan origination fee .
Does Firelands FCU SMART Loans charge a late fee?
Firelands FCU SMART Loans does not disclose whether it charges late payment fees.
Does Firelands FCU SMART Loans charge prepayment fees?
No, Firelands FCU SMART 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 Firelands FCU SMART Loans?
Firelands FCU SMART Loans does not require or does not disclose a credit score minimum. Firelands FCU SMART 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 Firelands FCU SMART Loans.
To qualify, applicants may need to provide the following documentation:
- Driver's license or other government photo ID
- Proof of identity
- Proof of citizenship or residence permit
| Minimum Age | N/A |
| Bank Account Required? | No |
| Credit Score | N/A |
Does Firelands FCU SMART Loans report your account activity to credit bureaus?
Yes, Firelands FCU SMART 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 Firelands Federal Credit Union perform a hard credit pull?
Yes, Firelands FCU SMART 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 Firelands FCU SMART Loans legit?
Firelands Federal Credit Union was founded in 1957, it is a well-established company that has been in business for 69 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.
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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.
Hours of Operation
Sunday
Closed
Monday
7:00AM - 9:00PM
Tuesday
7:00AM - 9:00PM
Wednesday
7:00AM - 9:00PM
Thursday
7:00AM - 9:00PM
Friday
7:00AM - 9:00PM
Saturday
8:00AM - 4:00PM