Last Updated: 04/18/2025
Neches FCU Home Improvement Loan
Unaffiliated
Last Updated: 04/18/2025
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Highlights
APR (Variable APR)
Starting at 6.00%(Verified 06/21/2024)
Amount Range
N/A
Loan Term (Months)
Up to 144
Neches FCU Home Improvement Loan Review
Neches FCU Home Improvement Loan is offered by Neches Federal Credit Union, a credit union founded in 1952 and based in Port Neches, TX. Neches FCU Home Improvement Loan are available in 50 states and Washington, DC.
Key Takeaways
- Uses a variable APR. This is uncommon for personal loans. If interest rates rise in the future it could make the monthly payments more challenging. Personal loan interest rates typically range between 9% and 36%. The starting rates for Neches FCU Home Improvement Loan are on the lower end of the spectrum.
- Super long loan terms. Neches FCU Home Improvement Loan offers loan terms of up to 144 months. Most personal loans have a maximum term of 60 months.
Neches FCU Home Improvement Loan Pros & Cons
| Pros | Cons |
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Neches FCU Home Improvement Loan FAQ
What interest rates and personal loan terms does Neches FCU Home Improvement Loan offer?
Neches FCU Home Improvement Loan has lower than average interest rates for lenders reviewed on SuperMoney.
What interest rates does Neches FCU Home Improvement Loan offer?
Neches FCU Home Improvement Loan offers a variable APR personal loan product that starts at 6.00% APR.
What is the maximum loan term you can get with Neches FCU Home Improvement Loan?
Neches FCU Home Improvement Loan offers loans with terms of up to 144 months.
| Personal Loan Amount | N/A |
| Loan Term | up to 144 months |
| APR | Starting at 6.00% |
What fees does Neches FCU Home Improvement Loan charge?
Does Neches FCU Home Improvement Loan charge an origination fee?
Neches FCU Home Improvement Loan may charge a personal loan origination fee .
Does Neches FCU Home Improvement Loan charge a late fee?
Neches FCU Home Improvement Loan does not disclose whether it charges late payment fees.
Does Neches FCU Home Improvement Loan charge prepayment fees?
No, Neches FCU Home Improvement Loan 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 Neches FCU Home Improvement Loan?
Neches FCU Home Improvement Loan does not require or does not disclose a credit score minimum. Neches FCU Home Improvement Loan 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 Neches FCU Home Improvement Loan.
To qualify, applicants may need to provide the following documentation:
- Proof of income
- Driver's license or other government photo ID
- Proof of identity
- Proof of citizenship or residence permit
- Proof of residence
| Minimum Age | N/A |
| Bank Account Required? | No |
| Credit Score | N/A |
Does Neches Federal Credit Union perform a hard credit pull?
Yes, Neches FCU Home Improvement Loan 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 Neches FCU Home Improvement Loan legit?
Neches Federal Credit Union was founded in 1952, it is a well-established company that has been in business for 74 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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Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed