Last Updated: 04/18/2025
Hope Credit Union Borrow and Save Loans
Unaffiliated
in Personal Loans from Hope Credit Union
Last Updated: 04/18/2025
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Highlights
APR (Variable APR)
Starting at 6%(Verified 06/21/2024)
Amount Range
Up to $1,000
Loan Term (Months)
6 - 12
Hope Credit Union Borrow and Save Loans Review
Hope Credit Union Borrow and Save Loans is offered by Hope Credit Union, a credit union founded in 1995 and based in Jackson, MS. Hope Credit Union Borrow and Save Loans 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. Personal loan interest rates typically range between 9% and 36%. The starting rates for Hope Credit Union Borrow and Save Loans are on the lower end of the spectrum.
- Short loan terms. Hope Credit Union Borrow and Save Loans have loan terms as short as 6 months.
Hope Credit Union Borrow and Save Loans Pros & Cons
| Pros | Cons |
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Hope Credit Union Borrow and Save Loans FAQ
What interest rates and personal loan terms does Hope Credit Union Borrow and Save Loans offer?
Hope Credit Union Borrow and Save Loans has lower than average interest rates for lenders reviewed on SuperMoney.
What interest rates does Hope Credit Union Borrow and Save Loans offer?
Hope Credit Union Borrow and Save Loans offers a variable APR personal loan product that starts at 6% APR.
What is the maximum loan term you can get with Hope Credit Union Borrow and Save Loans?
Hope Credit Union Borrow and Save Loans offers loans with terms of up to 12 months.
| Personal Loan Amount | up to $1000 |
| Loan Term | 6 - 12 months |
| APR | Starting at 6% |
What fees does Hope Credit Union Borrow and Save Loans charge?
Does Hope Credit Union Borrow and Save Loans charge an origination fee?
Hope Credit Union Borrow and Save Loans may charge a personal loan origination fee .
Does Hope Credit Union Borrow and Save Loans charge a late fee?
Hope Credit Union Borrow and Save Loans does not disclose whether it charges late payment fees.
Does Hope Credit Union Borrow and Save Loans charge prepayment fees?
No, Hope Credit Union Borrow and Save 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.
| Origination Fee | No |
| Prepayment Fee | N/A |
| Late Payment Fee | No |
What do you need to qualify for Hope Credit Union Borrow and Save Loans?
Hope Credit Union Borrow and Save 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. Hope Credit Union Borrow and Save 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 Hope Credit Union Borrow and Save 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
| Minimum Age | 18 |
| Bank Account Required? | No |
| Credit Score | N/A |
Does Hope Credit Union perform a hard credit pull?
Yes, Hope Credit Union Borrow and Save 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 Hope Credit Union Borrow and Save Loans legit?
Hope Credit Union was founded in 1995, it is a well-established company that has been in business for 31 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
Closed