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Last Updated: 04/18/2025

Granite CU Personal Loans

in Personal Loans from Granite Credit Union

Last Updated: 04/18/2025

Created by:

created by author logoSuperMoney

Fact Checked by:

fact checked by author logoAndrew Latham
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Highlights

APR (Fixed APR)

10.99% - 18.00%(Verified 06/21/2024)

Amount Range

N/A

Loan Term (Months)

12 - 48
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Granite CU Personal Loans Review

Granite CU Personal Loans is offered by Granite Credit Union, a credit union founded in 1935 and based in Millcreek, UT. Granite CU Personal Loans are available in 50 states and Washington, DC.

Key Takeaways

  • APRs starting at 10.99%. Personal loan interest rates typically range between 9% and 36%. The starting rates for Granite CU Personal Loans are on the higher end of the spectrum.

Granite CU Personal Loans Pros & Cons

Granite CU Personal Loans FAQ

What interest rates and personal loan terms does Granite CU Personal Loans offer?

Granite CU Personal Loans has higher than average interest rates for lenders reviewed on SuperMoney.

What interest rates does Granite CU Personal Loans offer?

Granite CU Personal Loans offers a fixed APR personal loan product that ranges from 10.99% APR up to 18.00% APR.

What is the maximum loan term you can get with Granite CU Personal Loans?

Granite CU Personal Loans offers loans with terms of up to 48 months.

What fees does Granite CU Personal Loans charge?

Does Granite CU Personal Loans charge an origination fee?

Granite CU Personal Loans may charge a personal loan origination fee .

Does Granite CU Personal Loans charge a late fee?

Granite CU Personal Loans does not disclose whether it charges late payment fees.

Does Granite CU Personal Loans charge prepayment fees?

No, Granite CU Personal 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.

What do you need to qualify for Granite CU Personal Loans?

Granite CU Personal 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.
Granite CU Personal 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 Granite CU Personal Loans.
To qualify, applicants may need to provide the following documentation:
  • Proof of income
  • Driver's license or other government photo ID
  • Proof of identity
  • Proof of citizenship or residence permit

Does Granite CU Personal Loans report your account activity to credit bureaus?

Yes, Granite CU Personal 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 Granite Credit Union perform a hard credit pull?

Yes, Granite CU Personal 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 Granite CU Personal Loans legit?

Granite Credit Union was founded in 1935, it is a well-established company that has been in business for 91 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

3675 S 900 E
Millcreek, UT 84106
(801) 288-3000
Visit Site
Email Support

Hours of Operation

Sunday
Closed
Monday
9:00AM - 6:00PM
Tuesday
9:00AM - 6:00PM
Wednesday
9:00AM - 6:00PM
Thursday
9:00AM - 6:00PM
Friday
9:00AM - 6:00PM
Saturday
9:00AM - 2:00PM

Other Services by Granite Credit Union