Last Updated: 04/18/2025
HFCU Personal Loan Special
Unaffiliated
Last Updated: 04/18/2025
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Highlights
APR (Fixed APR)
Starting at 11.50%(Verified 06/21/2024)
Amount Range
Up to $2,500
Loan Term (Months)
Up to 18
HFCU Personal Loan Special Review
HFCU Personal Loan Special is offered by Houston Federal Credit Union, a credit union founded in 1960 and based in Sugar Land, TX. HFCU Personal Loan are available in 50 states and Washington, DC.
Key Takeaways
- APRs starting at 11.50%. Personal loan interest rates typically range between 9% and 36%. The starting rates for HFCU Personal Loan Special are on the higher end of the spectrum.
HFCU Personal Loan Pros & Cons
| Pros | Cons |
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HFCU Personal Loan FAQ
What interest rates and personal loan terms does HFCU Personal Loan offer?
HFCU Personal Loan has higher than average interest rates for lenders reviewed on SuperMoney.
What interest rates does HFCU Personal Loan offer?
HFCU Personal Loan offers a fixed APR personal loan product that starts at 11.50% APR.
What is the maximum loan term you can get with HFCU Personal Loan?
HFCU Personal Loan offers loans with terms of up to 18 months.
| Personal Loan Amount | up to $2500 |
| Loan Term | up to 18 months |
| APR | Starting at 11.50% |
What fees does HFCU Personal Loan charge?
Does HFCU Personal Loan charge an origination fee?
HFCU Personal Loan may charge a personal loan origination fee .
Does HFCU Personal Loan charge a late fee?
HFCU Personal Loan does not disclose whether it charges late payment fees.
Does HFCU Personal Loan charge prepayment fees?
No, HFCU 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.
| Origination Fee | No |
| Prepayment Fee | N/A |
| Late Payment Fee | No |
What do you need to qualify for HFCU Personal Loan Special?
HFCU Personal Loan Special does not require or does not disclose a credit score minimum. HFCU Personal Loan Special 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 HFCU Personal Loan Special.
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
| Minimum Age | N/A |
| Bank Account Required? | No |
| Credit Score | N/A |
Does HFCU Personal Loan Special report your account activity to credit bureaus?
Yes, HFCU Personal Loan Special 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 Houston Federal Credit Union perform a hard credit pull?
Yes, HFCU 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 HFCU Personal Loan Special legit?
houston federal credit union was founded in 1960, it is a well-established company that has been in business for 66 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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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
9:00AM - 5:00PM
Saturday
8:00AM - 2:00PM