Last Updated: 04/18/2025
Lanier FCU Share Secured Loans
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Last Updated: 04/18/2025
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Highlights
Lanier FCU Share Secured Loans Review
Lanier FCU Share Secured Loans is offered by Lanier Federal Credit Union, a credit union founded in 1969 and based in Oakwood, GA. Lanier FCU Share Secured Loans are available in 50 states, 5 US territories, and Washington, DC.
Key Takeaways
- APRs starting at 2.20%. Personal loan interest rates typically range between 9% and 36%. The starting rates for Lanier FCU Share Secured Loans are on the lower end of the spectrum.
- Super long loan terms. Lanier FCU Share Secured Loans offers loan terms of up to 84 months. Most personal loans have a maximum term of 60 months.
Lanier FCU Share Secured Loans Pros & Cons
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Lanier FCU Share Secured Loans FAQ
What interest rates and personal loan terms does Lanier FCU Share Secured Loans offer?
Lanier FCU Share Secured Loans has lower than average interest rates for lenders reviewed on SuperMoney.
What interest rates does Lanier FCU Share Secured Loans offer?
Lanier FCU Share Secured Loans offers a fixed APR personal loan product that ranges from 2.20% APR up to 4.20% APR.
What is the maximum loan term you can get with Lanier FCU Share Secured Loans?
Lanier FCU Share Secured Loans offers loans with terms of up to 84 months.
| Personal Loan Amount | N/A |
| Loan Term | 24 - 84 months |
| APR | 2.20% - 4.20% |
What fees does Lanier FCU Share Secured Loans charge?
Does Lanier FCU Share Secured Loans charge an origination fee?
Lanier FCU Share Secured Loans may charge a personal loan origination fee .
Does Lanier FCU Share Secured Loans charge a late fee?
Lanier FCU Share Secured Loans does not disclose whether it charges late payment fees.
Does Lanier FCU Share Secured Loans charge prepayment fees?
No, Lanier FCU Share Secured 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 Lanier FCU Share Secured Loans?
Lanier FCU Share Secured Loans 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. Lanier FCU Share Secured 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 Lanier FCU Share Secured Loans.
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 Lanier FCU Share Secured Loans report your account activity to credit bureaus?
Yes, Lanier FCU Share Secured 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 Lanier Federal Credit Union perform a hard credit pull?
Yes, Lanier FCU Share Secured 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 Lanier FCU Share Secured Loans legit?
Lanier Federal Credit Union was founded in 1969, it is a well-established company that has been in business for 57 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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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
8:00AM - 4:30PM
Tuesday
8:00AM - 4:30PM
Wednesday
8:00AM - 4:30PM
Thursday
8:00AM - 4:30PM
Friday
8:00AM - 5:30PM
Saturday
Closed