Last Updated: 04/18/2025
First Watch Credit Union Vacation Loans
Unaffiliated
Last Updated: 04/18/2025
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Highlights
APR (Fixed APR)
7.99% - 17.99%(Verified 06/21/2024)
Amount Range
N/A
Loan Term (Months)
Up to 12
First Watch Credit Union Vacation Loans Review
First Watch Credit Union Vacation Loans is offered by First Watch Credit Union, a credit union founded in 1959 and based in Abilene, TX. First Watch Credit Union Vacation Loans are available in 50 states and Washington, DC.
Key Takeaways
- APRs starting at 7.99%. Personal loan interest rates typically range between 9% and 36%. The starting rates for First Watch Credit Union Vacation Loans are on the lower end of the spectrum.
First Watch Credit Union Vacation Loans Pros & Cons
| Pros | Cons |
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First Watch Credit Union Vacation Loans FAQ
What interest rates and personal loan terms does First Watch Credit Union Vacation Loans offer?
First Watch Credit Union Vacation Loans has lower than average interest rates for lenders reviewed on SuperMoney.
What interest rates does First Watch Credit Union Vacation Loans offer?
First Watch Credit Union Vacation Loans offers a fixed APR personal loan product that ranges from 7.99% APR up to 17.99% APR.
What is the maximum loan term you can get with First Watch Credit Union Vacation Loans?
First Watch Credit Union Vacation Loans offers loans with terms of up to 12 months.
| Personal Loan Amount | N/A |
| Loan Term | up to 12 months |
| APR | 7.99% - 17.99% |
What fees does First Watch Credit Union Vacation Loans charge?
Does First Watch Credit Union Vacation Loans charge an origination fee?
First Watch Credit Union Vacation Loans may charge a personal loan origination fee .
Does First Watch Credit Union Vacation Loans charge a late fee?
First Watch Credit Union Vacation Loans does not disclose whether it charges late payment fees.
Does First Watch Credit Union Vacation Loans charge prepayment fees?
No, First Watch Credit Union Vacation 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 Vacation Loans?
First Watch Credit Union Vacation 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 Vacation 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 First Watch Credit Union Vacation 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 |
| Credit Score | N/A |
Does First Watch Credit Union Vacation Loans report your account activity to credit bureaus?
Yes, First Watch Credit Union Vacation 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 Vacation 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 Vacation 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.
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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 - 4:00PM
Tuesday
9:00AM - 4:00PM
Wednesday
9:00AM - 4:00PM
Thursday
9:00AM - 4:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed