Is OCCFCU Personal Loans the right fit for you?
Last Updated: 04/18/2025
OCCFCU Personal Loans
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Last Updated: 04/18/2025
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Highlights
APR (Variable APR)
Starting at 11.39%(Verified 06/25/2024)
Amount Range
N/A
Loan Term (Months)
N/A
OCCFCU Personal Loans Review
OCCFCU Personal Loans is offered by Oak Cliff Christian Federal Credit Union, a credit union founded in 2008 and based in Dallas, TX. OCCFCU Personal Loans are available in 50 states, 5 US territories, 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 OCCFCU Personal Loans are on the higher end of the market.
OCCFCU Personal Loans Pros & Cons
| Pros | Cons |
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OCCFCU Personal Loans FAQ
What interest rates and personal loan terms does OCCFCU Personal Loans offer?
OCCFCU Personal Loans has higher than average interest rates for lenders reviewed on SuperMoney.
What interest rates does OCCFCU Personal Loans offer?
OCCFCU Personal Loans offers a variable APR personal loan product that starts at 11.39% APR.
| Personal Loan Amount | N/A |
| Loan Term | N/A |
| APR | Starting at 11.39% |
What fees does OCCFCU Personal Loans charge?
Does OCCFCU Personal Loans charge an origination fee?
OCCFCU Personal Loans may charge a personal loan origination fee .
Does OCCFCU Personal Loans charge a late fee?
OCCFCU Personal Loans does not disclose whether it charges late payment fees.
Does OCCFCU Personal Loans charge prepayment fees?
No, OCCFCU Personal 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 OCCFCU Personal Loans?
OCCFCU Personal 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. OCCFCU Personal Loans 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 OCCFCU Personal Loans.
To qualify, applicants may need to provide the following documentation:
- Driver's license or other government photo ID
- Proof of identity
- Proof of citizenship or residence permit
| Minimum Age | 18 |
| Bank Account Required? | No |
| Application Types Accepted |
|
| Credit Score | N/A |
Does OCCFCU Personal Loans report your account activity to credit bureaus?
Yes, OCCFCU Personal 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 Oak Cliff Christian Federal Credit Union perform a hard credit pull?
Yes, OCCFCU Personal 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 OCCFCU Personal Loans legit?
OCBF Credit Union was founded in 2008, it is a well-established company that has been in business for 18 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
SundayClosedMondayClosedTuesday10:00AM - 4:00PMWednesday10:00AM - 4:00PMThursday10:00AM - 4:00PMFriday10:00AM - 5:00PMSaturday10:00AM - 1:00PM
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APR
Starting at 5.25%
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Amount Range
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Loan Term (Months)
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Learn MoreSuperMoney Net Recommendation Score
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