Is Preston FCU Personal Unsecured Loans the right fit for you?
Last Updated: 04/18/2025
Preston FCU Personal Unsecured Loans
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Last Updated: 04/18/2025
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Highlights
APR (Fixed APR)
Starting at 12.50%(Verified 07/20/2024)
Amount Range
Up to $5,000
Loan Term (Months)
36 - 60
Preston FCU Personal Unsecured Loans Review
Preston FCU Personal Unsecured Loans is offered by Preston Federal Credit Union, a credit union founded in 1978 and based in Kingwood, WV. Preston FCU Personal Unsecured Loans are available in 50 states, 5 US territories, and Washington, DC.
Key Takeaways
- APRs starting at 12.50%. Personal loan interest rates typically range between 9% and 36%. The starting rates for Preston FCU Personal Unsecured Loans are on the higher 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 Preston FCU Personal Unsecured Loans.
Preston FCU Personal Unsecured Loans Pros & Cons
| Pros | Cons |
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Preston FCU Personal Unsecured Loans FAQ
What interest rates and personal loan terms does Preston FCU Personal Unsecured Loans offer?
Preston FCU Personal Unsecured Loans has higher than average interest rates for lenders reviewed on SuperMoney.
What interest rates does Preston FCU Personal Unsecured Loans offer?
Preston FCU Personal Unsecured Loans offers a fixed APR personal loan product that starts at 12.50% APR.
What is the maximum loan term you can get with Preston FCU Personal Unsecured Loans?
Preston FCU Personal Unsecured Loans offers loans with terms of up to 60 months.
| Personal Loan Amount | up to $5000.00 |
| Loan Term | 36 - 60 months |
| APR | Starting at 12.50% |
What fees does Preston FCU Personal Unsecured Loans charge?
Does Preston FCU Personal Unsecured Loans charge an origination fee?
Preston FCU Personal Unsecured Loans may charge a personal loan origination fee .
Does Preston FCU Personal Unsecured Loans charge a late fee?
Preston FCU Personal Unsecured Loans does not disclose whether it charges late payment fees.
Does Preston FCU Personal Unsecured Loans charge prepayment fees?
No, Preston FCU Personal Unsecured 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 Preston FCU Personal Unsecured Loans?
Preston FCU Personal Unsecured 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. Preston FCU Personal Unsecured 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 Preston FCU Personal Unsecured 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 Preston FCU Personal Unsecured Loans report your account activity to credit bureaus?
Yes, Preston FCU Personal Unsecured 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 Preston Federal Credit Union perform a hard credit pull?
Yes, Preston FCU Personal Unsecured 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 Preston FCU Personal Unsecured Loans legit?
Preston Federal Credit Union was founded in 1978, it is a well-established company that has been in business for 48 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 - 5:00PMTuesday9:00AM - 5:00PMWednesday9:00AM - 5:00PMThursday9:00AM - 5:00PMFriday9:00AM - 5:00PMSaturdayClosed
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