Last Updated: 04/18/2025
Ottawa Hiway CU Vacation Loan
Unaffiliated
Last Updated: 04/18/2025
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Highlights
APR (Fixed APR)
7.95% - 9.95%(Verified 08/16/2024)
Amount Range
N/A
Loan Term (Months)
Up to 36
Ottawa Hiway CU Vacation Loan Review
Ottawa Hiway CU Vacation Loan is offered by Ottawa Hiway Credit Union, a credit union founded in 1963 and based in Ottawa, IL. Ottawa Hiway CU Vacation Loan are available in 50 states, 5 US territories, and Washington, DC.
Key Takeaways
- APRs starting at 7.95%. Personal loan interest rates typically range between 9% and 36%. The starting rates for Ottawa Hiway CU Vacation Loan 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 Ottawa Hiway CU Vacation Loan.
Ottawa Hiway CU Vacation Loan Pros & Cons
| Pros | Cons |
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Ottawa Hiway CU Vacation Loan FAQ
What interest rates and personal loan terms does Ottawa Hiway CU Vacation Loan offer?
Ottawa Hiway CU Vacation Loan has lower than average interest rates for lenders reviewed on SuperMoney.
What interest rates does Ottawa Hiway CU Vacation Loan offer?
Ottawa Hiway CU Vacation Loan offers a fixed APR personal loan product that ranges from 7.95% APR up to 9.95% APR.
What is the maximum loan term you can get with Ottawa Hiway CU Vacation Loan?
Ottawa Hiway CU Vacation Loan offers loans with terms of up to 36 months.
| Personal Loan Amount | N/A |
| Loan Term | up to 36 months |
| APR | 7.95% - 9.95% |
What fees does Ottawa Hiway CU Vacation Loan charge?
Does Ottawa Hiway CU Vacation Loan charge an origination fee?
Ottawa Hiway CU Vacation Loan may charge a personal loan origination fee .
Does Ottawa Hiway CU Vacation Loan charge a late fee?
Yes, Ottawa Hiway CU Vacation Loan may charge a late payment fee if you miss one of the regularly scheduled payments of up to $25.00.
Does Ottawa Hiway CU Vacation Loan charge prepayment fees?
No, Ottawa Hiway CU Vacation 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 | $25.00 |
What do you need to qualify for Ottawa Hiway CU Vacation Loan?
Ottawa Hiway CU Vacation Loan 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. Ottawa Hiway CU Vacation Loan 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 Ottawa Hiway CU Vacation Loan.
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 Ottawa Hiway CU Vacation Loan report your account activity to credit bureaus?
Yes, Ottawa Hiway CU Vacation Loan 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 Ottawa Hiway Credit Union perform a hard credit pull?
Yes, Ottawa Hiway CU Vacation 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 Ottawa Hiway CU Vacation Loan legit?
Ottawa Hiway Credit Union was founded in 1963, it is a well-established company that has been in business for 63 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.
Hours of Operation
Sunday
Closed
Monday
8:00AM - 3:00PM
Tuesday
8:00AM - 3:00PM
Wednesday
8:00AM - 3:00PM
Thursday
8:00AM - 3:00PM
Friday
8:00AM - 3:00PM
Saturday
Closed
Other Services by Ottawa Hiway Credit Union
Other Personal Loans from Ottawa Hiway Credit Union
Rating not yet determined
APR
10.95% - 14.95%
Disclaimer popup with additional information
Amount Range
N/A
Loan Term (Months)
Up to 48
Rating not yet determined
APR
3.99%
Disclaimer popup with additional information
Amount Range
N/A
Loan Term (Months)
0 - 120
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