Last Updated: 04/18/2025
G.A.P. Federal Credit Union Better Choice Plus Loan
Unaffiliated
Last Updated: 04/18/2025
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Highlights
APR (Fixed APR)
18%(Verified 06/21/2024)
Amount Range
Up to $1,000
Loan Term (Months)
6
G.A.P. Federal Credit Union Better Choice Plus Loan Review
G.A.P. Federal Credit Union Better Choice Plus Loan is offered by G.A.P. Federal Credit Union, a credit union founded in 1937 and based in Johnstown, PA. G.A.P. Federal Credit Union Better Choice Plus Loan are available in 50 states and Washington, DC.
Key Takeaways
- APRs starting at 18%. Personal loan interest rates typically range between 9% and 36%. The starting rates for G.A.P. Federal Credit Union Better Choice Plus Loan are on the higher 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 G.A.P. Federal Credit Union Better Choice Plus Loan.
- Short loan terms. G.A.P. Federal Credit Union Better Choice Plus Loan have loan terms as short as 6 months.
G.A.P. Federal Credit Union Better Choice Plus Loan Pros & Cons
| Pros | Cons |
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G.A.P. Federal Credit Union Better Choice Plus Loan FAQ
What interest rates and personal loan terms does G.A.P. Federal Credit Union Better Choice Plus Loan offer?
G.A.P. Federal Credit Union Better Choice Plus Loan has higher than average interest rates for lenders reviewed on SuperMoney.
What interest rates does G.A.P. Federal Credit Union Better Choice Plus Loan offer?
G.A.P. Federal Credit Union Better Choice Plus Loan offers a fixed APR personal loan product of 18%.
What is the maximum loan term you can get with G.A.P. Federal Credit Union Better Choice Plus Loan?
G.A.P. Federal Credit Union Better Choice Plus Loan offers loans with terms of 6 months.
| Personal Loan Amount | up to $1000 |
| Loan Term | 6 months |
| APR | 18% |
What fees does G.A.P. Federal Credit Union Better Choice Plus Loan charge?
Does G.A.P. Federal Credit Union Better Choice Plus Loan charge an origination fee?
G.A.P. Federal Credit Union Better Choice Plus Loan may charge a personal loan origination fee .
Does G.A.P. Federal Credit Union Better Choice Plus Loan charge a late fee?
G.A.P. Federal Credit Union Better Choice Plus Loan does not disclose whether it charges late payment fees.
Does G.A.P. Federal Credit Union Better Choice Plus Loan charge prepayment fees?
No, G.A.P. Federal Credit Union Better Choice Plus 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 G.A.P. Federal Credit Union Better Choice Plus Loan?
G.A.P. Federal Credit Union Better Choice Plus 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. G.A.P. Federal Credit Union Better Choice Plus Loan 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 G.A.P. Federal Credit Union Better Choice Plus 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 |
| Application Types Accepted |
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| Credit Score | N/A |
Does G.A.P. Federal Credit Union Better Choice Plus Loan report your account activity to credit bureaus?
Yes, G.A.P. Federal Credit Union Better Choice Plus 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 G.A.P. Federal Credit Union perform a hard credit pull?
Yes, G.A.P. Federal Credit Union Better Choice Plus 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 G.A.P. Federal Credit Union Better Choice Plus Loan legit?
G.A.P. Federal Credit Union was founded in 1937, it is a well-established company that has been in business for 89 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
8:00AM - 4:30PM
Tuesday
8:00AM - 3:30PM
Wednesday
8:00AM - 4:30PM
Thursday
8:00AM - 4:30PM
Friday
8:00AM - 4:30PM
Saturday
Closed
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Learn MoreSuperMoney Net Recommendation Score
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