Last Updated: 04/18/2025
Jolt Credit Union Signature Loan
Unaffiliated
in Personal Loans from Jolt Credit Union
Last Updated: 04/18/2025
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Highlights
APR (Fixed APR)
Starting at 11.75%(Verified 06/21/2024)
Amount Range
N/A
Loan Term (Months)
Up to 72
Jolt Credit Union Signature Loan Review
Jolt Credit Union Signature Loan is offered by Jolt Credit Union, a credit union founded in 1956 and based in Saginaw, MI. Jolt Credit Union Signature Loan are available in 50 states, 5 US territories, and Washington, DC.
Key Takeaways
- APRs starting at 11.75%. Personal loan interest rates typically range between 9% and 36%. The starting rates for Jolt Credit Union Signature Loan are on the higher end of the spectrum.
- Cosigner and coborrower applications accepted. A cosigner or coborrower can help you qualify for better rates and terms when applying for Jolt Credit Union Signature Loan.
- Super long loan terms. Jolt Credit Union Signature Loan offers loan terms of up to 72 months. Most personal loans have a maximum term of 60 months.
Jolt Credit Union Signature Loan Pros & Cons
| Pros | Cons |
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Jolt Credit Union Signature Loan FAQ
What interest rates and personal loan terms does Jolt Credit Union Signature Loan offer?
Jolt Credit Union Signature Loan has higher than average interest rates for lenders reviewed on SuperMoney.
What interest rates does Jolt Credit Union Signature Loan offer?
Jolt Credit Union Signature Loan offers a fixed APR personal loan product that starts at 11.75% APR.
What is the maximum loan term you can get with Jolt Credit Union Signature Loan?
Jolt Credit Union Signature Loan offers loans with terms of up to 72 months.
| Personal Loan Amount | N/A |
| Loan Term | up to 72 months |
| APR | Starting at 11.75% |
What fees does Jolt Credit Union Signature Loan charge?
Does Jolt Credit Union Signature Loan charge an origination fee?
Jolt Credit Union Signature Loan may charge a personal loan origination fee .
Does Jolt Credit Union Signature Loan charge a late fee?
Jolt Credit Union Signature Loan does not disclose whether it charges late payment fees.
Does Jolt Credit Union Signature Loan charge prepayment fees?
No, Jolt Credit Union Signature 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 | No |
| Late Payment Fee | No |
What do you need to qualify for Jolt Credit Union Signature Loan?
Jolt Credit Union Signature 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. Jolt Credit Union Signature Loan does not have or does not disclose a minimum annual income eligibility requirement. Note that borrowers can add a cosigner or 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 Jolt Credit Union Signature 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 |
| Application Types Accepted |
|
| Credit Score | N/A |
Does Jolt Credit Union Signature Loan report your account activity to credit bureaus?
Yes, Jolt Credit Union Signature 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 Jolt Credit Union perform a hard credit pull?
Yes, Jolt Credit Union Signature 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 Jolt Credit Union Signature Loan legit?
Jolt Credit Union was founded in 1956, it is a well-established company that has been in business for 70 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
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 6:00PM
Saturday
9:00AM - 12:00PM
Other Services by Jolt Credit Union
Other Personal Loans from Jolt Credit Union
Rating not yet determined
APR
Starting at 3.050%
Disclaimer popup with additional information
Amount Range
N/A
Loan Term (Months)
Up to 36
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Learn MoreSuperMoney Net Recommendation Score
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