Members First Credit Union Utah Holiday/Vacation Loan Review

Members First Credit Union Utah Holiday/Vacation Loan is offered by Members First Credit Union - Utah, a credit union founded in 1958 and based in Brigham, UT. Members First Credit Union Utah Holiday/Vacation Loan is available in 1 state across the USA.

• APRs starting at 8.75%. These are average starting rates for a personal loan. If you have good credit you may qualify for a loan with better rates.
• Hard credit pull required. You can't check your rates or see if you prequalify for Members First Credit Union Utah Holiday/Vacation 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 Utah Holiday/Vacation Loan early.

Pros	Cons
Considers applicants with fair credit.	Charges an origination fee. Short loan terms (maximum of 12 months). Do not offer pre-approval with soft credit pull. Charges prepayment fees. Charges a late fee.

What rates and terms does Members First Credit Union Utah Holiday/Vacation Loan offer?

What fees does Members First Credit Union Utah Holiday/Vacation Loan charge?

What do you need to qualify for Members First Credit Union Utah Holiday/Vacation Loan?

Applicants with a credit score of at least 600 and up to 850 may be eligible for Members First Credit Union Utah Holiday/Vacation Loan. The minimum age to be eligible is 18 or the state minimum, whichever is higher.

Members First Credit Union Utah Holiday/Vacation Loan does not have or does not disclose a minimum annual income eligibility requirement. Members First Credit Union Utah Holiday/Vacation 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 Utah Holiday/Vacation 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 Utah Holiday/Vacation Loan. Permanent resident / green card holders are also eligible to apply.

To qualify, applicants may need to provide the following documentation:

• Recent pay stubs
• Proof of income
• Recent bank statements
• Driver's license
• Government issued photo ID
• Proof of identity

Members First Credit Union Utah Holiday/Vacation Loan Eligibility Criteria

Minimum Age	18
Bank Account Required?	No
Application Types Accepted	Individual Applications
Credit Score	600 - 850

Does Members First Credit Union Utah Holiday/Vacation Loan report your account activity to credit bureaus?

Yes, Members First Credit Union Utah Holiday/Vacation Loan reports your account activity to the following credit reporting agencies:

• 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 improve your credit.