First City Credit Union Personal Loans
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| APR (Variable APR) |
9.99% - 10.74% (Verified 08/04/2023) |
| Loan Amount | $500 - $30,000 |
| Loan Term (Months) | Up to 60 months |
First City Credit Union Personal Loans Review
First City Credit Union Personal Loans is offered by first city credit union, a credit union founded in 1937 and based in Altadena, CA. first city credit union personal loans are available in 1 state across the USA.
Key Takeaways
- Uses a variable APR. This is uncommon for personal loans. If interest rates rise in the future it could make the monthly payments more challenging. These are average interest rates for a personal loan. If you have good credit or a cosigner, you could probably find better rates.
- Charges a prepayment fee. This is rare for personal loans. It means you will have to pay a fee if you pay off your First City Credit Union Personal Loans early.
first city credit union personal loans Pros & Cons
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first city credit union personal loans FAQ
What interest rates and personal loan terms does first city credit union personal loans offer?
What interest rates does first city credit union personal loans offer?
first city credit union personal loans offers a variable APR personal loan product that ranges from 9.99% APR up to 10.74% APR.
How much can you borrow via first city credit union personal loans?
Personal loan amounts start at $500and go up to $30,000
What is the maximum loan term you can get with first city credit union personal loans?
first city credit union personal loans offers loans with terms of up to 60 months.
| Personal Loan Amount | $500 - $30000 |
| Loan Term | up to 60 months |
| APR | 9.99% - 10.74% |
What fees does first city credit union personal loans charge?
Does first city credit union personal loans charge an origination fee?
first city credit union personal loans may charge a personal loan origination fee.
Does first city credit union personal loans charge a late fee?
No, first city credit union personal loans will not charge you a late fee if you miss one of the monthly payments.
Does first city credit union personal loans charge prepayment fees?
No, first city 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 personal loan off early.
| Origination Fee | No |
| Prepayment Fee | N/A |
| Late Payment Fee | No |
What do you need to qualify for First City Credit Union Personal Loans?
First City Credit Union Personal 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.First City Credit Union Personal Loans does not have or does not disclose a minimum annual income eligibility requirement. First City Credit Union Personal Loans only considers borrowers who are employed.
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 First City Credit Union Personal Loans. Their rates fall within the limits of The Military Lending Act.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by First City Credit Union Personal Loans.
To qualify, applicants may need to provide the following documentation:
- Proof of income
- Driver's license
- Proof of identity
- Proof of citizenship or residence permit
| Minimum Age | 18 |
| Bank Account Required? | No |
| Application Types Accepted |
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| Credit Score | N/A |
Are First City Credit Union Personal Loans legit?
First City Credit Union was founded in 1937, it is a well-established company that has been in business for 86 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.
Contact
- Headquarters
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500 W Woodbury Rd
Altadena, CA 91001 - (800) 934-2489
- Visit Site
- Email Support
Other Services by First City Credit Union
Availability
Feature Breakdown
| Employment Statuses Considered |
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| Immigration Status Considered |
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| Joint Loan Applications Accepted |
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| Military Status |
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| Minimum Age | 18 |
| Supported Income Types |
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| Verification Documents Required |
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