Is MyUSA Credit Union Lifestyle Loans the right fit for you?
Last Updated: 04/18/2025
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Highlights
APR (Fixed APR)
Starting at 9.99%(Verified 06/21/2024)
Amount Range
$1,500 - $15,000
Loan Term (Months)
1 - 48
MyUSA Credit Union Lifestyle Loans Review
MyUSA Credit Union Lifestyle Loans is offered by MyUSA Credit Union, a credit union founded in 1934 and based in Middletown, OH. MyUSA Credit Union Lifestyle Loans are available in 50 states and Washington, DC.
Key Takeaways
- APRs starting at 9.99%. Personal loan interest rates typically range between 9% and 36%. The starting rates for MyUSA Credit Union Lifestyle 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 MyUSA Credit Union Lifestyle Loans.
- Short loan terms. MyUSA Credit Union Lifestyle Loans have loan terms as short as 1 month.
MyUSA Credit Union Lifestyle Loans Pros & Cons
| Pros | Cons |
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MyUSA Credit Union Lifestyle Loans FAQ
What interest rates and personal loan terms does MyUSA Credit Union Lifestyle Loans offer?
What interest rates does MyUSA Credit Union Lifestyle Loans offer?
MyUSA Credit Union Lifestyle Loans offers a fixed APR personal loan product that starts at 9.99% APR.
How much can you borrow via MyUSA Credit Union Lifestyle Loans?
Personal loan amounts start at $1,500.00 and go up to $15,000.00
What is the maximum loan term you can get with MyUSA Credit Union Lifestyle Loans?
MyUSA Credit Union Lifestyle Loans offers loans with terms of up to 48 months.
| Personal Loan Amount | $1500.00 - $15000.00 |
| Loan Term | 1 - 48 months |
| APR | Starting at 9.99% |
What fees does MyUSA Credit Union Lifestyle Loans charge?
Does MyUSA Credit Union Lifestyle Loans charge an origination fee?
MyUSA Credit Union Lifestyle Loans may charge a personal loan origination fee .
Does MyUSA Credit Union Lifestyle Loans charge a late fee?
MyUSA Credit Union Lifestyle Loans does not disclose whether it charges late payment fees.
Does MyUSA Credit Union Lifestyle Loans charge prepayment fees?
No, MyUSA Credit Union Lifestyle 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 MyUSA Credit Union Lifestyle Loans?
MyUSA Credit Union Lifestyle 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. MyUSA Credit Union Lifestyle 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 MyUSA Credit Union Lifestyle 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 |
| Application Types Accepted |
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| Credit Score | N/A |
Does MyUSA Credit Union Lifestyle Loans report your account activity to credit bureaus?
Yes, MyUSA Credit Union Lifestyle 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 MyUSA Credit Union perform a hard credit pull?
Yes, MyUSA Credit Union Lifestyle 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 MyUSA Credit Union Lifestyle Loans legit?
MyUSA Credit Union was founded in 1934, it is a well-established company that has been in business for 92 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
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
SundayClosedMonday9:00AM - 6:00PMTuesday9:00AM - 6:00PMWednesday9:00AM - 6:00PMThursday9:00AM - 6:00PMFriday9:00AM - 6:00PMSaturday9:00AM - 12:00PM
Other Services by MyUSA Credit Union
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Other Personal Loans from MyUSA Credit Union
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APR
Starting at 10.00%
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Amount Range
N/A
Loan Term (Months)
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Rating not yet determined
APR
Starting at 5.00%
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Amount Range
Starting at $300
Loan Term (Months)
1 - 63
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