Last Updated: 04/18/2025
Homebase Federal CU LIFESTYLE LOANS
Unaffiliated
Last Updated: 04/18/2025
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Highlights
APR (Variable APR)
7.99% - 17.99%(Verified 07/10/2024)
Amount Range
$500 - $30,000
Loan Term (Months)
6 - 84
Homebase Federal CU LIFESTYLE LOANS Review
Homebase Federal CU LIFESTYLE LOANS is offered by Homebase Federal Credit Union, a credit union founded in 1952 and based in Prince George, VA. Homebase Federal CU LIFESTYLE LOANS are available in 50 states, 5 US territories, 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. These are average interest rates for a personal loan. If you have good credit or a cosigner, you could probably find better rates.
- Coborrower applications accepted. Applying for Homebase Federal CU LIFESTYLE LOANS with a coborrower who has better credit than you could improve your chances of approval and may help you qualify for lower interest rates.
- Short loan terms. Homebase Federal CU LIFESTYLE LOANS have loan terms as short as 6 months.
- Super long loan terms. Homebase Federal CU LIFESTYLE LOANS offers loan terms of up to 84 months. Most personal loans have a maximum term of 60 months.
Homebase Federal CU LIFESTYLE LOANS Pros & Cons
| Pros | Cons |
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Homebase Federal CU LIFESTYLE LOANS FAQ
What interest rates and personal loan terms does Homebase Federal CU LIFESTYLE LOANS offer?
Homebase Federal CU LIFESTYLE LOANS has lower than average interest rates for lenders reviewed on SuperMoney.
What interest rates does Homebase Federal CU LIFESTYLE LOANS offer?
Homebase Federal CU LIFESTYLE LOANS offers a variable APR personal loan product that ranges from 7.99% APR up to 17.99% APR.
How much can you borrow via Homebase Federal CU LIFESTYLE LOANS?
Personal loan amounts start at $500 and go up to $30,000
What is the maximum loan term you can get with Homebase Federal CU LIFESTYLE LOANS?
Homebase Federal CU LIFESTYLE LOANS offers loans with terms of up to 84 months.
| Personal Loan Amount | $500 - $30000 |
| Loan Term | 6 - 84 months |
| APR | 7.99% - 17.99% |
What fees does Homebase Federal CU LIFESTYLE LOANS charge?
Does Homebase Federal CU LIFESTYLE LOANS charge an origination fee?
Homebase Federal CU LIFESTYLE LOANS may charge a personal loan origination fee .
Does Homebase Federal CU LIFESTYLE LOANS charge a late fee?
Homebase Federal CU LIFESTYLE LOANS does not disclose whether it charges late payment fees.
Does Homebase Federal CU LIFESTYLE LOANS charge prepayment fees?
Yes, Homebase Federal CU LIFESTYLE LOANS may charge additional fees to borrowers who pay off their loans sooner than anticipated. Take this into consideration when choosing a lender because prepayment penalties can reduce or even cancel the interest savings of repaying a personal loan early.
| Origination Fee | No |
| Prepayment Fee | Yes |
| Late Payment Fee | No |
What do you need to qualify for Homebase Federal CU LIFESTYLE LOANS?
Homebase Federal CU LIFESTYLE 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. Homebase Federal CU LIFESTYLE LOANS does not have or does not disclose a minimum annual income eligibility requirement. Note that borrowers can add 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 Homebase Federal CU LIFESTYLE LOANS.
To qualify, applicants may need to provide the following documentation:
- Proof of identity
- Proof of citizenship or residence permit
- Proof of residence
| Minimum Age | 18 |
| Bank Account Required? | No |
| Application Types Accepted |
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| Credit Score | N/A |
Does Homebase Federal Credit Union perform a hard credit pull?
Yes, Homebase Federal CU LIFESTYLE 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 Homebase Federal CU LIFESTYLE LOANS legit?
Homebase Federal Credit Union was founded in 1952, it is a well-established company that has been in business for 74 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
10:00AM - 5:00PM
Thursday
9:00AM - 5:30PM
Friday
9:00AM - 5:30PM
Saturday
9:00AM - 12:00PM
Other Services by Homebase Federal Credit Union
Other Personal Loans from Homebase Federal Credit Union
Rating not yet determined
APR
18%
Disclaimer popup with additional information
Amount Range
$500 - $1K
Loan Term (Months)
N/A
Rating not yet determined
APR
Starting at 3.25%
Disclaimer popup with additional information
Amount Range
$15K - $25K
Loan Term (Months)
N/A
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Learn MoreSuperMoney Net Recommendation Score
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