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Last Updated: 04/18/2025

HFCU Personal Loans

in Personal Loans from Houston Federal Credit Union

Last Updated: 04/18/2025

Created by:

SuperMoney

Fact Checked by:

Andrew Latham

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Highlights

APR (Fixed APR)

Starting at 12.50%(Verified 06/21/2024)

Amount Range

Up to $50,000

Loan Term (Months)

Up to 60

HFCU Personal Loans Review

HFCU Personal Loans is offered by Houston Federal Credit Union, a credit union founded in 1960 and based in Sugar Land, TX. HFCU Personal Loans are available in 50 states and Washington, DC.

Key Takeaways

APRs starting at 12.50%. Personal loan interest rates typically range between 9% and 36%. The starting rates for HFCU Personal Loans are on the higher end of the spectrum.

HFCU Personal Loans Pros & Cons

Pros

Cons

Charges an origination fee.
Does not offer pre-approval with soft credit pull.
Charges prepayment fees.
No co-sign option available.

HFCU Personal Loans FAQ

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

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

What interest rates does HFCU Personal Loans offer?

HFCU Personal Loans offers a fixed APR personal loan product that starts at 12.50% APR.

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

HFCU Personal Loans offers loans with terms of up to 60 months.

HFCU Personal Loans Interest Rates & Loan Terms

Personal Loan Amount

up to $50000

Loan Term

up to 60 months

APR

Starting at 12.50%

What fees does HFCU Personal Loans charge?

Does HFCU Personal Loans charge an origination fee?

HFCU Personal Loans may charge a personal loan origination fee .

Does HFCU Personal Loans charge a late fee?

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

Does HFCU Personal Loans charge prepayment fees?

No, HFCU 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.

HFCU Personal Loans Fees

Origination Fee

Prepayment Fee

N/A

Late Payment Fee

What do you need to qualify for HFCU Personal Loans?

HFCU Personal Loans does not require or does not disclose a credit score minimum.

HFCU 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 HFCU 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

HFCU Personal Loans Eligibility Criteria

Minimum Age

N/A

Bank Account Required?

Credit Score

N/A

Does HFCU Personal Loans report your account activity to credit bureaus?

Yes, HFCU 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 Houston Federal Credit Union perform a hard credit pull?

Yes, HFCU 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 HFCU Personal Loans 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.

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

16320 Kensington Dr

Sugar Land, TX 77479

(281) 243-0500

Visit Site

Email Support

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

HFCU Personal Loans

Get Competing Personal Loan Offers

Highlights

HFCU Personal Loans Review

Key Takeaways

HFCU Personal Loans Pros & Cons

HFCU Personal Loans FAQ

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

What interest rates does HFCU Personal Loans offer?

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

What fees does HFCU Personal Loans charge?

Does HFCU Personal Loans charge an origination fee?

Does HFCU Personal Loans charge a late fee?

Does HFCU Personal Loans charge prepayment fees?

What do you need to qualify for HFCU Personal Loans?

Does HFCU Personal Loans report your account activity to credit bureaus?

Does Houston Federal Credit Union perform a hard credit pull?

Are HFCU Personal Loans legit?

Contact

Hours of Operation

Other Services by Houston Federal Credit Union