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Last Updated: 04/18/2025

G.A.P. Federal Credit Union Personal Loan

from G.A.P. Federal Credit Union

Last Updated: 04/18/2025

Created by:

created by author logoSuperMoney

Fact Checked by:

fact checked by author logoAndrew Latham
G.A.P. Federal Credit Union logo
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APR (Fixed APR)

9.75%(Verified 06/21/2024)

Amount Range

Up to $5,000

Loan Term (Months)

60

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G.A.P. Federal Credit Union Personal Loan Review

G.A.P. Federal Credit Union Personal 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 Personal Loan are available in 50 states and Washington, DC.

Key Takeaways

  • APRs starting at 9.75%. Personal loan interest rates typically range between 9% and 36%. The starting rates for G.A.P. Federal Credit Union Personal Loan 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 G.A.P. Federal Credit Union Personal Loan.

G.A.P. Federal Credit Union Personal Loan Pros & Cons

G.A.P. Federal Credit Union Personal Loan FAQ

What interest rates and personal loan terms does G.A.P. Federal Credit Union Personal Loan offer?

What interest rates does G.A.P. Federal Credit Union Personal Loan offer?

G.A.P. Federal Credit Union Personal Loan offers a fixed APR personal loan product of 9.75%.

What is the maximum loan term you can get with G.A.P. Federal Credit Union Personal Loan?

G.A.P. Federal Credit Union Personal Loan offers loans with terms of 60 months.

What fees does G.A.P. Federal Credit Union Personal Loan charge?

Does G.A.P. Federal Credit Union Personal Loan charge an origination fee?

G.A.P. Federal Credit Union Personal Loan may charge a personal loan origination fee .

Does G.A.P. Federal Credit Union Personal Loan charge a late fee?

G.A.P. Federal Credit Union Personal Loan does not disclose whether it charges late payment fees.

Does G.A.P. Federal Credit Union Personal Loan charge prepayment fees?

No, G.A.P. Federal Credit Union Personal 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.

What do you need to qualify for G.A.P. Federal Credit Union Personal Loan?

G.A.P. Federal Credit Union Personal 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 Personal 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 Personal 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

Does G.A.P. Federal Credit Union Personal Loan report your account activity to credit bureaus?

Yes, G.A.P. Federal Credit Union Personal 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 Personal 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 Personal 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.

Contact

Headquarters

111 Franklin St
Room 224
Johnstown, PA 15901
(814) 535-4165
Visit Site

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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Other Personal Loans from G.A.P. Federal Credit Union

G.A.P. Federal Credit Union logo
Rating not yet determined
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APR

18%
Disclaimer popup with additional information

Amount Range

Up to $500

Loan Term (Months)

3
Visit Site
G.A.P. Federal Credit Union logo

APR

18%
Disclaimer popup with additional information

Amount Range

Up to $1K

Loan Term (Months)

6
G.A.P. Federal Credit Union logo

APR

5.00% - 5.75%
Disclaimer popup with additional information

Amount Range

N/A

Loan Term (Months)

N/A

G.A.P. Federal Credit Union logo

APR

9.00%
Disclaimer popup with additional information

Amount Range

Up to $10K

Loan Term (Months)

Up to 120
G.A.P. Federal Credit Union logo

APR

5.9%
Disclaimer popup with additional information

Amount Range

Up to $7K

Loan Term (Months)

Up to 36
G.A.P. Federal Credit Union logo

APR

3.25%
Disclaimer popup with additional information

Amount Range

N/A

Loan Term (Months)

60
G.A.P. Federal Credit Union logo

APR

8.00% - 8.50%
Disclaimer popup with additional information

Amount Range

Up to $25K

Loan Term (Months)

Up to 60

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SuperMoney Net Recommendation Score

This product has no reviews yet. Help others by sharing your thoughts.

0

-1000+100
No one recommends
Everyone recommends
The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.

G.A.P. Federal Credit Union Personal Loan Community Reviews

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