Is Mass Bay CU Personal Unsecured Loans the right fit for you?
Last Updated: 04/18/2025
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Highlights
APR (Fixed APR)
Starting at 8.99%(Verified 06/29/2024)
Amount Range
N/A
Loan Term (Months)
48
Mass Bay CU Personal Unsecured Loans Review
Mass Bay CU Personal Unsecured Loans is offered by Mass Bay Credit Union, a credit union founded in 1936 and based in South Boston, MA. Mass Bay CU Personal Unsecured Loans are available in 50 states, 5 US territories, and Washington, DC.
Key Takeaways
- APRs starting at 8.99%. Personal loan interest rates typically range between 9% and 36%. The starting rates for Mass Bay CU Personal Unsecured Loans are on the lower 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 Mass Bay CU Personal Unsecured Loans.
Mass Bay CU Personal Unsecured Loans Pros & Cons
| Pros | Cons |
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Mass Bay CU Personal Unsecured Loans FAQ
What interest rates and personal loan terms does Mass Bay CU Personal Unsecured Loans offer?
What interest rates does Mass Bay CU Personal Unsecured Loans offer?
Mass Bay CU Personal Unsecured Loans offers a fixed APR personal loan product that starts at 8.99% APR.
What is the maximum loan term you can get with Mass Bay CU Personal Unsecured Loans?
Mass Bay CU Personal Unsecured Loans offers loans with terms of 48 months.
| Personal Loan Amount | N/A |
| Loan Term | 48 months |
| APR | Starting at 8.99% |
What fees does Mass Bay CU Personal Unsecured Loans charge?
Does Mass Bay CU Personal Unsecured Loans charge an origination fee?
Mass Bay CU Personal Unsecured Loans may charge a personal loan origination fee .
Does Mass Bay CU Personal Unsecured Loans charge a late fee?
Mass Bay CU Personal Unsecured Loans does not disclose whether it charges late payment fees.
Does Mass Bay CU Personal Unsecured Loans charge prepayment fees?
No, Mass Bay CU Personal Unsecured 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 Mass Bay CU Personal Unsecured Loans?
Mass Bay CU Personal Unsecured Loans does not require or does not disclose a credit score minimum. Mass Bay CU Personal Unsecured Loans 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 Mass Bay CU Personal Unsecured 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 | N/A |
| Bank Account Required? | No |
| Application Types Accepted |
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| Credit Score | N/A |
Does Mass Bay CU Personal Unsecured Loans report your account activity to credit bureaus?
Yes, Mass Bay CU Personal Unsecured 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 Mass Bay Credit Union perform a hard credit pull?
Yes, Mass Bay CU Personal Unsecured 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 Mass Bay CU Personal Unsecured Loans legit?
Mass Bay Credit Union was founded in 1936, it is a well-established company that has been in business for 90 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.
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Hours of Operation
SundayClosedMonday8:30AM - 4:00PMTuesday8:30AM - 4:00PMWednesday8:30AM - 4:00PMThursday8:30AM - 4:00PMFriday8:30AM - 4:00PMSaturday8:30AM - 1:15PM
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