Last Updated: 04/18/2025
Innovations FCU Lightning Cash Loan
Unaffiliated
Last Updated: 04/18/2025
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Highlights
APR (Fixed APR)
N/A
Amount Range
$500 - $2,500
Loan Term (Months)
12 - 30
Innovations FCU Lightning Cash Loan Review
Innovations FCU Lightning Cash Loan is offered by Innovations Financial Credit Union, a credit union founded in 1952 and based in Panama City, FL. Innovations FCU Lightning Cash Loan are available in 50 states, 5 US territories, and Washington, DC.
Key Takeaways
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- Small-dollar loans. Innovations FCU Lightning Cash Loan has a maximum loan amount of just $2,500.00 .
- Hard credit pull required. You can't check your rates or see if you prequalify for Innovations FCU Lightning Cash Loan without a hard pull on your credit report. Most lenders give you the option of a soft pull on you credit report.
- Origination fees starting at $15.00.Origination fees are deducted from the loan amount, so take it into account when deciding how much you need to borrow.
Innovations FCU Lightning Cash Loan Pros & Cons
| Pros | Cons |
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Innovations FCU Lightning Cash Loan FAQ
What interest rates and personal loan terms does Innovations FCU Lightning Cash Loan offer?
Innovations FCU Lightning Cash Loan has lower than average interest rates for lenders reviewed on SuperMoney.
What interest rates does Innovations FCU Lightning Cash Loan offer?
Innovations FCU Lightning Cash Loan offers a fixed APR personal loan product but they do not disclose their interest rates.
How much can you borrow via Innovations FCU Lightning Cash Loan?
Personal loan amounts start at $500.00 and go up to $2,500.00
What is the maximum loan term you can get with Innovations FCU Lightning Cash Loan?
Innovations FCU Lightning Cash Loan offers loans with terms of up to 30 months.
| Personal Loan Amount | $500.00 - $2500.00 |
| Loan Term | 12 - 30 months |
| APR | N/A |
What fees does Innovations FCU Lightning Cash Loan charge?
Does Innovations FCU Lightning Cash Loan charge an origination fee?
Innovations FCU Lightning Cash Loan may charge a personal loan origination fee of $15.00
Does Innovations FCU Lightning Cash Loan charge a late fee?
Innovations FCU Lightning Cash Loan does not disclose whether it charges late payment fees.
Does Innovations FCU Lightning Cash Loan charge prepayment fees?
No, Innovations FCU Lightning Cash Loan 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 Innovations FCU Lightning Cash Loan?
Innovations FCU Lightning Cash Loan 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. Innovations FCU Lightning Cash Loan 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 Innovations FCU Lightning Cash Loan.
To qualify, applicants may need to provide the following documentation:
- Driver's license or other government photo ID
- Government issued photo ID
- Proof of identity
| Minimum Age | 18 |
| Bank Account Required? | No |
| Credit Score | N/A |
Does Innovations FCU Lightning Cash Loan report your account activity to credit bureaus?
Yes, Innovations FCU Lightning Cash Loan 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 Innovations Financial Credit Union perform a hard credit pull?
Yes, Innovations FCU Lightning Cash Loan 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 Innovations FCU Lightning Cash Loan legit?
Innovations Financial 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.
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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