Last Updated: 04/18/2025
Raiz FCU Personal Loans
Unaffiliated
Last Updated: 04/18/2025
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Highlights
APR (Fixed APR)
Starting at 11.25%(Verified 07/04/2024)
Amount Range
Up to $50,000
Loan Term (Months)
Up to 84
Raiz FCU Personal Loans Review
Raiz FCU Personal Loans is offered by Raiz Federal Credit Union, a credit union founded in 1936 and based in El Paso, TX. Raiz FCU Personal Loans are available in 50 states, 5 US territories, and Washington, DC.
Key Takeaways
- APRs starting at 11.25%. Personal loan interest rates typically range between 9% and 36%. The starting rates for Raiz FCU Personal 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 Raiz FCU Personal Loans.
- Super long loan terms. Raiz FCU Personal Loans offers loan terms of up to 84 months. Most personal loans have a maximum term of 60 months.
Raiz FCU Personal Loans Pros & Cons
| Pros | Cons |
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Raiz FCU Personal Loans FAQ
What interest rates and personal loan terms does Raiz FCU Personal Loans offer?
Raiz FCU Personal Loans has higher than average interest rates for lenders reviewed on SuperMoney.
What interest rates does Raiz FCU Personal Loans offer?
Raiz FCU Personal Loans offers a fixed APR personal loan product that starts at 11.25% APR.
What is the maximum loan term you can get with Raiz FCU Personal Loans?
Raiz FCU Personal Loans offers loans with terms of up to 84 months.
| Personal Loan Amount | up to $50000.00 |
| Loan Term | up to 84 months |
| APR | Starting at 11.25% |
What fees does Raiz FCU Personal Loans charge?
Does Raiz FCU Personal Loans charge an origination fee?
Raiz FCU Personal Loans may charge a personal loan origination fee .
Does Raiz FCU Personal Loans charge a late fee?
Raiz FCU Personal Loans does not disclose whether it charges late payment fees.
Does Raiz FCU Personal Loans charge prepayment fees?
No, Raiz 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 Raiz FCU Personal Loans?
Raiz 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. Raiz 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 Raiz FCU Personal 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 Raiz FCU Personal Loans report your account activity to credit bureaus?
Yes, Raiz 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 Raiz Federal Credit Union perform a hard credit pull?
Yes, Raiz 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 Raiz FCU Personal Loans legit?
Raiz Federal Credit Union was founded in 1936, it is a well-established company that has been in business for 90 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
9:30AM - 5:30PM
Tuesday
9:30AM - 5:30PM
Wednesday
9:30AM - 5:30PM
Thursday
9:30AM - 5:30PM
Friday
9:30AM - 5:30PM
Saturday
9:30AM - 12:30PM
Other Services by Raiz Federal Credit Union
Other Personal Loans from Raiz Federal Credit Union
Rating not yet determined
APR
Starting at 12.00%
Disclaimer popup with additional information
Amount Range
Up to $2,000
Loan Term (Months)
12
Rating not yet determined
APR
Starting at 3.75%
Disclaimer popup with additional information
Amount Range
N/A
Loan Term (Months)
Up to 120
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Learn MoreSuperMoney Net Recommendation Score
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