Members First Credit Union Personal Loan
in Personal Loans from Members First Credit Union of UtahUnaffiliated
Members First Credit Union Personal LoanUnaffiliated
in Personal Loans from Members First Credit Union of Utah
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|APR (Fixed APR)||Starting at 1.5%|
|Loan Term (Months)||Up to 60 months|
Members First Credit Union Personal Loan Review
Members First Credit Union Personal Loan is offered by Members First Credit Union of Utah, a credit union founded in 1958 and based in , . Members First Credit Union Personal Loan is available in 50 states (and Washington, DC).
- APRs starting at 1.5%. Personal loan interest rates typically range between 5% and 36%. The starting rates for Members First Credit Union Personal Loan are on the lower end of the spectrum.
- Hard credit pull required. You can't check your rates or see if you prequalify for Members First Credit Union Personal Loan without a hard pull on your credit report. Most lenders give you the option of a soft pull on you credit report.
- Charges a prepayment fee. This is rare for personal loans. It means you will have to pay a fee if you pay off your Members First Credit Union Personal Loan early.
What interest rates and personal loan terms does Members First loans offer?
Members First loans has lower interest rates than the average for lenders reviewed on SuperMoney.
What interest rates does Members First loans offer?
Members First loans offers a fixed APR personal loan product that starts at 1.5% APR.
What is the maximum personal loan term you can get with Members First loans?
Members First loans offers loans with
|Personal Loan Amount||N/A|
|Loan Term||up to 60 months|
|APR||Starting at 1.5%|
What fees does Members First loans charge?
Does Members First loans charge an origination fee?
Members First loans may charge a personal loan origination fee.
Does Members First loans charge a late fee?
Yes, Members First loans may charge borrowers a late payment fee if you miss one of the monthly payments.
Does Members First loans charge prepayment fees?
Yes, Members First loans may charge additional fees to borrowers who pay off their loans sooner than anticipated. Take this into consideration when choosing a lender because prepayment penalties can reduce or even cancel the interest savings of repaying a personal loan early.
|Late Payment Fee||N/A|
What do you need to qualify for Members First Credit Union Personal Loan?Applicants with a credit score of at least 550 and up to 850 FICO may be eligible for Members First Credit Union Personal Loan. The minimum age to be eligible is 18 or the state minimum, whichever is higher.
Members First Credit Union Personal Loan does not have or does not disclose a minimum annual income eligibility requirement. Members First Credit Union Personal Loan only considers borrowers who are employed.
The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. Active duty service members and their covered dependents are eligible to apply for a loan via Members First Credit Union Personal Loan. Their rates fall within the limits of The Military Lending Act.
U.S. citizens are, of course, eligible for the services offered by Members First Credit Union Personal Loan. Permanent resident / green card holders are also eligible to apply.
To qualify, applicants may need to provide the following documentation:
- Driver's license
- Government issued photo ID
- Proof of identity
|Bank Account Required?||No|
|Credit Score||550 - 850 FICO|
Does Members First Credit Union Personal Loan report your account activity to credit bureaus?
Yes, Members First Credit Union Personal Loan reports your account activity to the following credit reporting agencies:
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.
- Washington, DC
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Rhode Island
- South Carolina
- South Dakota
- West Virginia
|Employment Statuses Considered||
|Immigration Status Considered||
|Supported Income Types||
|Verification Documents Required||
|Credit Score Range||550 - 850|
|Credit Bureau Reporting||
|Payment Options||Automatic Payments|
|APR (Fixed APR)||Starting at 1.5%|
|Loan Term||Up to 60 months|