Last Updated: 04/18/2025
Heart of Louisiana Credit Builder
Unaffiliated
Last Updated: 04/18/2025
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Highlights
APR (Variable APR)
N/A
Amount Range
$500 - $1,000
Loan Term (Months)
6 - 12
Heart of Louisiana Credit Builder Review
Heart of Louisiana Credit Builder is offered by Heart of Louisiana Credit Union, a credit union founded in 1955 and based in Pineville, LA. Heart of Louisiana Credit Builder are available in 50 states and Washington, DC.
Key Takeaways
- Uses a variable APR. This is uncommon for personal loans. If interest rates rise in the future it could make the monthly payments more challenging.
- Small-dollar loans. Heart of Louisiana Credit Builder has a maximum loan amount of just $1,000 .
- Cosigner and coborrower applications accepted. A cosigner or coborrower can help you qualify for better rates and terms when applying for Heart of Louisiana Credit Builder.
- Short loan terms. Heart of Louisiana Credit Builder have loan terms as short as 6 months.
Heart of Louisiana Credit Builder Pros & Cons
| Pros | Cons |
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Heart of Louisiana Credit Builder FAQ
What interest rates and personal loan terms does Heart of Louisiana Credit Builder offer?
Heart of Louisiana Credit Builder has lower than average interest rates for lenders reviewed on SuperMoney.
What interest rates does Heart of Louisiana Credit Builder offer?
Heart of Louisiana Credit Builder offers a variable APR personal loan product but they do not disclose their interest rates.
How much can you borrow via Heart of Louisiana Credit Builder?
Personal loan amounts start at $500 and go up to $1,000
What is the maximum loan term you can get with Heart of Louisiana Credit Builder?
Heart of Louisiana Credit Builder offers loans with terms of up to 12 months.
| Personal Loan Amount | $500 - $1000 |
| Loan Term | 6 - 12 months |
| APR | N/A |
What fees does Heart of Louisiana Credit Builder charge?
Does Heart of Louisiana Credit Builder charge an origination fee?
Heart of Louisiana Credit Builder may charge a personal loan origination fee .
Does Heart of Louisiana Credit Builder charge a late fee?
Heart of Louisiana Credit Builder does not disclose whether it charges late payment fees.
Does Heart of Louisiana Credit Builder charge prepayment fees?
No, Heart of Louisiana Credit Builder 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 Heart of Louisiana Credit Builder?
Heart of Louisiana Credit Builder 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. Heart of Louisiana Credit Builder 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 Heart of Louisiana Credit Builder.
To qualify, applicants may need to provide the following documentation:
- Driver's license or other government photo ID
- Proof of identity
- Proof of citizenship or residence permit
| Minimum Age | 18 |
| Bank Account Required? | No |
| Application Types Accepted |
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| Credit Score | N/A |
Does Heart of Louisiana Credit Union perform a hard credit pull?
Yes, Heart of Louisiana Credit Builder 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 Heart of Louisiana Credit Builder legit?
Heart of Louisiana Credit Union was founded in 1955, it is a well-established company that has been in business for 71 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
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
8:00AM - 6:00PM
Saturday
9:00AM - 1:00PM
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Learn MoreSuperMoney Net Recommendation Score
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