Last Updated: 04/18/2025
Houston Police CU Personal Loans
Unaffiliated
Last Updated: 04/18/2025
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Highlights
APR (Variable APR)
Starting at 10.64%(Verified 09/19/2024)
Amount Range
$500 - $40,000
Loan Term (Months)
Up to 72
Houston Police CU Personal Loans Review
Houston Police CU Personal Loans is offered by Houston Police Credit Union, a credit union founded in 1937 and based in Houston, TX. Houston Police CU Personal 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. Personal loan interest rates typically range between 9% and 36%. The starting rates for Houston Police CU Personal Loans are on the higher end of the market.
- Super long loan terms. Houston Police CU Personal Loans offers loan terms of up to 72 months. Most personal loans have a maximum term of 60 months.
Houston Police CU Personal Loans Pros & Cons
| Pros | Cons |
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Houston Police CU Personal Loans FAQ
What interest rates and personal loan terms does Houston Police CU Personal Loans offer?
Houston Police CU Personal Loans has higher than average interest rates for lenders reviewed on SuperMoney.
What interest rates does Houston Police CU Personal Loans offer?
Houston Police CU Personal Loans offers a variable APR personal loan product that starts at 10.64% APR.
How much can you borrow via Houston Police CU Personal Loans?
Personal loan amounts start at $500 and go up to $40,000
What is the maximum loan term you can get with Houston Police CU Personal Loans?
Houston Police CU Personal Loans offers loans with terms of up to 72 months.
| Personal Loan Amount | $500 - $40000 |
| Loan Term | up to 72 months |
| APR | Starting at 10.64% |
What fees does Houston Police CU Personal Loans charge?
Does Houston Police CU Personal Loans charge an origination fee?
Houston Police CU Personal Loans may charge a personal loan origination fee .
Does Houston Police CU Personal Loans charge a late fee?
Houston Police CU Personal Loans does not disclose whether it charges late payment fees.
Does Houston Police CU Personal Loans charge prepayment fees?
No, Houston Police CU 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.
| Origination Fee | No |
| Prepayment Fee | N/A |
| Late Payment Fee | No |
What do you need to qualify for Houston Police CU Personal Loans?
Houston Police CU Personal Loans does not require or does not disclose a credit score minimum. Houston Police CU 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 Houston Police CU 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
| Minimum Age | N/A |
| Bank Account Required? | No |
| Credit Score | N/A |
Does Houston Police CU Personal Loans report your account activity to credit bureaus?
Yes, Houston Police CU 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 Police Credit Union perform a hard credit pull?
Yes, Houston Police CU 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 Houston Police CU Personal Loans legit?
Houston Police Credit Union was founded in 1937, it is a well-established company that has been in business for 89 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
8:00AM - 5:00PM
Tuesday
8:00AM - 5:00PM
Wednesday
8:00AM - 5:00PM
Thursday
8:00AM - 5:00PM
Friday
8:00AM - 5:00PM
Saturday
9:00AM - 1:00PM