Last Updated: 04/18/2025
First Florida CU Home Improvement Loan
Unaffiliated
Last Updated: 04/18/2025
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Highlights
APR (Variable APR)
Starting at 8.74%(Verified 06/21/2024)
Amount Range
Up to $50,000
Loan Term (Months)
Up to 120
First Florida CU Home Improvement Loan Review
First Florida CU Home Improvement Loan is offered by First Florida Credit Union, a credit union founded in 1950 and based in Jacksonville, FL. First Florida CU Home Improvement Loan are available in 50 states and Washington, DC.
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.
- Super long loan terms. First Florida CU Home Improvement Loan offers loan terms of up to 120 months. Most personal loans have a maximum term of 60 months.
First Florida CU Home Improvement Loan Pros & Cons
| Pros | Cons |
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First Florida CU Home Improvement Loan FAQ
What interest rates and personal loan terms does First Florida CU Home Improvement Loan offer?
What interest rates does First Florida CU Home Improvement Loan offer?
First Florida CU Home Improvement Loan offers a variable APR personal loan product that starts at 8.74% APR.
What is the maximum loan term you can get with First Florida CU Home Improvement Loan?
First Florida CU Home Improvement Loan offers loans with terms of up to 120 months.
| Personal Loan Amount | up to $50000 |
| Loan Term | up to 120 months |
| APR | Starting at 8.74% |
What fees does First Florida CU Home Improvement Loan charge?
Does First Florida CU Home Improvement Loan charge an origination fee?
First Florida CU Home Improvement Loan may charge a personal loan origination fee .
Does First Florida CU Home Improvement Loan charge a late fee?
First Florida CU Home Improvement Loan does not disclose whether it charges late payment fees.
Does First Florida CU Home Improvement Loan charge prepayment fees?
No, First Florida CU Home Improvement Loan 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 Florida CU Home Improvement Loan?
First Florida CU Home Improvement Loan does not require or does not disclose a credit score minimum. First Florida CU Home Improvement Loan 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 First Florida CU Home Improvement Loan.
To qualify, applicants may need to provide the following documentation:
- Proof of income
- Driver's license or other government photo ID
- Proof of identity
- Proof of citizenship or residence permit
- Proof of residence
| Minimum Age | N/A |
| Bank Account Required? | No |
| Credit Score | N/A |
Does First Florida CU Home Improvement Loan report your account activity to credit bureaus?
Yes, First Florida CU Home Improvement Loan 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 First Florida Credit Union perform a hard credit pull?
Yes, First Florida CU Home Improvement Loan 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 First Florida CU Home Improvement Loan legit?
First Florida Credit Union was founded in 1950, it is a well-established company that has been in business for 76 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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Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 6:00PM
Saturday
Closed