Is Penn State FCU Personal Loans the right fit for you?
Last Updated: 04/18/2025
Penn State FCU Personal Loans
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Last Updated: 04/18/2025
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Highlights
APR (Fixed APR)
9.99% - 18.00%(Verified 06/21/2024)
Amount Range
$500 - $50,000
Loan Term (Months)
Up to 60
Penn State FCU Personal Loans Review
Penn State FCU Personal Loans is offered by Penn State Federal Credit Union, a credit union founded in 1959 and based in Bellefonte, PA. Penn State FCU Personal 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 Penn State FCU Personal Loans are on the lower end of the spectrum.
- Large loan amounts. You can apply for loan amounts of up to $50,000.00 with Penn State FCU Personal Loans .
- Cosigner and coborrower applications accepted. A cosigner or coborrower can help you qualify for better rates and terms when applying for Penn State FCU Personal Loans.
Penn State FCU Personal Loans Pros & Cons
| Pros | Cons |
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Penn State FCU Personal Loans FAQ
What interest rates and personal loan terms does Penn State FCU Personal Loans offer?
What interest rates does Penn State FCU Personal Loans offer?
Penn State FCU Personal Loans offers a fixed APR personal loan product that ranges from 9.99% APR up to 18.00% APR.
How much can you borrow via Penn State FCU Personal Loans?
Personal loan amounts start at $500.00 and go up to $50,000.00
What is the maximum loan term you can get with Penn State FCU Personal Loans?
Penn State FCU Personal Loans offers loans with terms of up to 60 months.
| Personal Loan Amount | $500.00 - $50000.00 |
| Loan Term | up to 60 months |
| APR | 9.99% - 18.00% |
What fees does Penn State FCU Personal Loans charge?
Does Penn State FCU Personal Loans charge an origination fee?
Penn State FCU Personal Loans may charge a personal loan origination fee .
Does Penn State FCU Personal Loans charge a late fee?
Penn State FCU Personal Loans does not disclose whether it charges late payment fees.
Does Penn State FCU Personal Loans charge prepayment fees?
No, Penn State FCU 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 Penn State FCU Personal Loans?
Penn State FCU 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. Penn State FCU Personal 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 Penn State FCU Personal Loans.
To qualify, applicants may need to provide the following documentation:
- Recent pay stubs
- 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 Penn State FCU Personal Loans report your account activity to credit bureaus?
Yes, Penn State FCU 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 Penn State Federal Credit Union perform a hard credit pull?
Yes, Penn State FCU 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 Penn State FCU Personal Loans legit?
Penn State Federal Credit Union was founded in 1959, it is a well-established company that has been in business for 67 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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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 - 4:00PMTuesday9:00AM - 4:00PMWednesday9:00AM - 4:00PMThursday9:00AM - 4:00PMFriday9:00AM - 4:00PMSaturdayClosed
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Amount Range
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