Last Updated: 04/18/2025
La Joya Area FCU Personal Loan
Unaffiliated
Last Updated: 04/18/2025
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Highlights
APR (Fixed APR)
9.5% - 13.5%(Verified 06/21/2024)
Amount Range
N/A
Loan Term (Months)
N/A
La Joya Area FCU Personal Loan Review
La Joya Area FCU Personal Loan is offered by La Joya Area Federal Credit Union, a credit union founded in 1961 and based in La Joya, TX. La Joya Area FCU Personal Loan are available in 50 states and Washington, DC.
Key Takeaways
- APRs starting at 9.5%. Personal loan interest rates typically range between 9% and 36%. The starting rates for La Joya Area FCU Personal Loan are on the lower end of the spectrum.
La Joya Area FCU Personal Loan Pros & Cons
| Pros | Cons |
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La Joya Area FCU Personal Loan FAQ
What interest rates and personal loan terms does La Joya Area FCU Personal Loan offer?
What interest rates does La Joya Area FCU Personal Loan offer?
La Joya Area FCU Personal Loan offers a fixed APR personal loan product that ranges from 9.5% APR up to 13.5% APR.
| Personal Loan Amount | N/A |
| Loan Term | N/A |
| APR | 9.5% - 13.5% |
What fees does La Joya Area FCU Personal Loan charge?
Does La Joya Area FCU Personal Loan charge an origination fee?
La Joya Area FCU Personal Loan may charge a personal loan origination fee .
Does La Joya Area FCU Personal Loan charge a late fee?
Yes, La Joya Area FCU Personal Loan may charge a late payment fee if you miss one of the regularly scheduled payments of up to $30.00.
Does La Joya Area FCU Personal Loan charge prepayment fees?
No, La Joya Area FCU Personal 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 | up to $30.00 |
What do you need to qualify for La Joya Area FCU Personal Loan?
La Joya Area FCU Personal 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. La Joya Area FCU Personal 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 La Joya Area FCU Personal 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 La Joya Area FCU Personal Loan report your account activity to credit bureaus?
Yes, La Joya Area FCU Personal 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 La Joya Area Federal Credit Union perform a hard credit pull?
Yes, La Joya Area FCU Personal 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 La Joya Area FCU Personal Loan legit?
La Joya Area Federal Credit Union was founded in 1961, it is a well-established company that has been in business for 65 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 - 6:00PM
Saturday
9:00AM - 1:00PM