Last Updated: 04/18/2025
Hope Credit Union Credit Builder Loans
Unaffiliated
in Personal Loans from Hope Credit Union
Last Updated: 04/18/2025
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Highlights
APR (Variable APR)
8.50% - 18.00%(Verified 06/21/2024)
Amount Range
N/A
Loan Term (Months)
N/A
Hope Credit Union Credit Builder Loans Review
Hope Credit Union Credit Builder Loans is offered by Hope Credit Union, a credit union founded in 1995 and based in Jackson, MS. Hope Credit Union Credit Builder 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. These are average interest rates for a personal loan. If you have good credit or a cosigner, you could probably find better rates.
Hope Credit Union Credit Builder Loans Pros & Cons
| Pros | Cons |
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Hope Credit Union Credit Builder Loans FAQ
What interest rates and personal loan terms does Hope Credit Union Credit Builder Loans offer?
What interest rates does Hope Credit Union Credit Builder Loans offer?
Hope Credit Union Credit Builder Loans offers a variable APR personal loan product that ranges from 8.50% APR up to 18.00% APR.
| Personal Loan Amount | N/A |
| Loan Term | N/A |
| APR | 8.50% - 18.00% |
What fees does Hope Credit Union Credit Builder Loans charge?
Does Hope Credit Union Credit Builder Loans charge an origination fee?
Hope Credit Union Credit Builder Loans may charge a personal loan origination fee .
Does Hope Credit Union Credit Builder Loans charge a late fee?
Hope Credit Union Credit Builder Loans does not disclose whether it charges late payment fees.
Does Hope Credit Union Credit Builder Loans charge prepayment fees?
No, Hope Credit Union Credit Builder 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 Credit Builder Loans?
Hope Credit Union Credit Builder Loans does not require or does not disclose a credit score minimum. Hope Credit Union Credit Builder 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 Credit Builder 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 | N/A |
| Bank Account Required? | No |
| Credit Score | N/A |
Does Hope Credit Union Credit Builder Loans report your account activity to credit bureaus?
Yes, Hope Credit Union Credit Builder 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 Hope Credit Union perform a hard credit pull?
Yes, Hope Credit Union Credit Builder 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 Credit Builder 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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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