Last Updated: 04/18/2025
G.A.P. Federal Credit Union Certificate Secured Loan
Unaffiliated
Last Updated: 04/18/2025
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Highlights
APR (Fixed APR)
5.00% - 5.75%(Verified 06/21/2024)
Amount Range
N/A
Loan Term (Months)
N/A
G.A.P. Federal Credit Union Certificate Secured Loan Review
G.A.P. Federal Credit Union Certificate Secured 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 Certificate Secured Loan are available in 50 states and Washington, DC.
Key Takeaways
- APRs starting at 5.00%. Personal loan interest rates typically range between 9% and 36%. The starting rates for G.A.P. Federal Credit Union Certificate Secured Loan are on the lower end of the spectrum.
G.A.P. Federal Credit Union Certificate Secured Loan Pros & Cons
| Pros | Cons |
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G.A.P. Federal Credit Union Certificate Secured Loan FAQ
What interest rates and personal loan terms does G.A.P. Federal Credit Union Certificate Secured Loan offer?
G.A.P. Federal Credit Union Certificate Secured Loan has lower than average interest rates for lenders reviewed on SuperMoney.
What interest rates does G.A.P. Federal Credit Union Certificate Secured Loan offer?
G.A.P. Federal Credit Union Certificate Secured Loan offers a fixed APR personal loan product that ranges from 5.00% APR up to 5.75% APR.
| Personal Loan Amount | N/A |
| Loan Term | N/A |
| APR | 5.00% - 5.75% |
What fees does G.A.P. Federal Credit Union Certificate Secured Loan charge?
Does G.A.P. Federal Credit Union Certificate Secured Loan charge an origination fee?
G.A.P. Federal Credit Union Certificate Secured Loan may charge a personal loan origination fee .
Does G.A.P. Federal Credit Union Certificate Secured Loan charge a late fee?
G.A.P. Federal Credit Union Certificate Secured Loan does not disclose whether it charges late payment fees.
Does G.A.P. Federal Credit Union Certificate Secured Loan charge prepayment fees?
No, G.A.P. Federal Credit Union Certificate Secured 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 Certificate Secured Loan?
G.A.P. Federal Credit Union Certificate Secured 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 Certificate Secured 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 G.A.P. Federal Credit Union Certificate Secured 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 G.A.P. Federal Credit Union Certificate Secured Loan report your account activity to credit bureaus?
Yes, G.A.P. Federal Credit Union Certificate Secured 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 Certificate Secured 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 Certificate Secured 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.
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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