Last Updated: 04/18/2025
First Imperial Credit Union Signature Loan
Unaffiliated
Last Updated: 04/18/2025
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Highlights
APR (Fixed APR)
Starting at 11.74%(Verified 06/21/2024)
Amount Range
$500 - $30,000
Loan Term (Months)
Up to 60
First Imperial Credit Union Signature Loan Review
First Imperial Credit Union Signature Loan is offered by First Imperial Credit Union, a credit union founded in 1942 and based in El Centro, CA. First Imperial Credit Union Signature Loan are available in 50 states, 5 US territories, and Washington, DC.
Key Takeaways
- APRs starting at 11.74%. Personal loan interest rates typically range between 9% and 36%. The starting rates for First Imperial Credit Union Signature Loan are on the higher end of the spectrum.
First Imperial Credit Union Signature Loan Pros & Cons
| Pros | Cons |
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First Imperial Credit Union Signature Loan FAQ
What interest rates and personal loan terms does First Imperial Credit Union Signature Loan offer?
First Imperial Credit Union Signature Loan has higher than average interest rates for lenders reviewed on SuperMoney.
What interest rates does First Imperial Credit Union Signature Loan offer?
First Imperial Credit Union Signature Loan offers a fixed APR personal loan product that starts at 11.74% APR.
How much can you borrow via First Imperial Credit Union Signature Loan?
Personal loan amounts start at $500.00 and go up to $30,000.00
What is the maximum loan term you can get with First Imperial Credit Union Signature Loan?
First Imperial Credit Union Signature Loan offers loans with terms of up to 60 months.
| Personal Loan Amount | $500.00 - $30000.00 |
| Loan Term | up to 60 months |
| APR | Starting at 11.74% |
What fees does First Imperial Credit Union Signature Loan charge?
Does First Imperial Credit Union Signature Loan charge an origination fee?
First Imperial Credit Union Signature Loan may charge a personal loan origination fee .
Does First Imperial Credit Union Signature Loan charge a late fee?
Yes, First Imperial Credit Union Signature Loan may charge a late payment fee if you miss one of the regularly scheduled payments of up to $20.00.
Does First Imperial Credit Union Signature Loan charge prepayment fees?
No, First Imperial Credit Union Signature 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 | $20.00 |
What do you need to qualify for First Imperial Credit Union Signature Loan?
First Imperial Credit Union Signature Loan 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 Imperial Credit Union Signature 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 Imperial Credit Union Signature Loan.
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 First Imperial Credit Union Signature Loan report your account activity to credit bureaus?
Yes, First Imperial Credit Union Signature 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 Imperial Credit Union perform a hard credit pull?
Yes, First Imperial Credit Union Signature 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 Imperial Credit Union Signature Loan legit?
First Imperial Credit Union was founded in 1942, it is a well-established company that has been in business for 84 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
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
10:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
9:00AM - 1:00PM