Last Updated: 04/18/2025
First Watch Credit Union Signature Loans
Unaffiliated
Last Updated: 04/18/2025
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Highlights
APR (Fixed APR)
9.99% - 17.99%(Verified 06/21/2024)
Amount Range
$200 - $5,000
Loan Term (Months)
N/A
First Watch Credit Union Signature Loans Review
First Watch Credit Union Signature Loans is offered by First Watch Credit Union, a credit union founded in 1959 and based in Abilene, TX. First Watch Credit Union Signature Loans are available in 50 states and Washington, DC.
Key Takeaways
- APRs starting at 9.99%. Personal loan interest rates typically range between 9% and 36%. The starting rates for First Watch Credit Union Signature Loans are on the lower end of the spectrum.
- Cosigner and coborrower applications accepted. A cosigner or coborrower can help you qualify for better rates and terms when applying for First Watch Credit Union Signature Loans.
First Watch Credit Union Signature Loans Pros & Cons
| Pros | Cons |
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First Watch Credit Union Signature Loans FAQ
What interest rates and personal loan terms does First Watch Credit Union Signature Loans offer?
What interest rates does First Watch Credit Union Signature Loans offer?
First Watch Credit Union Signature Loans offers a fixed APR personal loan product that ranges from 9.99% APR up to 17.99% APR.
How much can you borrow via First Watch Credit Union Signature Loans?
Personal loan amounts start at $200.00 and go up to $5,000.00
| Personal Loan Amount | $200.00 - $5000.00 |
| Loan Term | N/A |
| APR | 9.99% - 17.99% |
What fees does First Watch Credit Union Signature Loans charge?
Does First Watch Credit Union Signature Loans charge an origination fee?
First Watch Credit Union Signature Loans may charge a personal loan origination fee .
Does First Watch Credit Union Signature Loans charge a late fee?
First Watch Credit Union Signature Loans does not disclose whether it charges late payment fees.
Does First Watch Credit Union Signature Loans charge prepayment fees?
No, First Watch Credit Union Signature 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 Watch Credit Union Signature Loans?
First Watch Credit Union Signature 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 Watch Credit Union Signature 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 First Watch Credit Union Signature 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 | N/A |
Does First Watch Credit Union Signature Loans report your account activity to credit bureaus?
Yes, First Watch Credit Union Signature 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 First Watch Credit Union perform a hard credit pull?
Yes, First Watch Credit Union Signature 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 First Watch Credit Union Signature Loans legit?
First Watch Credit Union was founded in 1959, it is a well-established company that has been in business for 67 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.
Hours of Operation
Sunday
Closed
Monday
9:00AM - 4:00PM
Tuesday
9:00AM - 4:00PM
Wednesday
9:00AM - 4:00PM
Thursday
9:00AM - 4:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed
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7.99% - 17.99%
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Loan Term (Months)
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Learn MoreSuperMoney Net Recommendation Score
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