Last Updated: 04/18/2025
Resource One CU Citizenship Loans
Unaffiliated
Last Updated: 04/18/2025
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Highlights
APR (Variable APR)
Starting at 9.74%(Verified 06/21/2024)
Amount Range
Up to $4,000
Loan Term (Months)
Up to 24
Resource One CU Citizenship Loans Review
Resource One CU Citizenship Loans is offered by Resource One Credit Union, a credit union founded in 1936 and based in Dallas, TX. Resource One CU Citizenship Loans are available in 50 states 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. These are average interest rates for a personal loan. If you have good credit or a cosigner, you could probably find better rates.
- Cosigner and coborrower applications accepted. A cosigner or coborrower can help you qualify for better rates and terms when applying for Resource One CU Citizenship Loans.
Resource One CU Citizenship Loans Pros & Cons
| Pros | Cons |
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Resource One CU Citizenship Loans FAQ
What interest rates and personal loan terms does Resource One CU Citizenship Loans offer?
What interest rates does Resource One CU Citizenship Loans offer?
Resource One CU Citizenship Loans offers a variable APR personal loan product that starts at 9.74% APR.
What is the maximum loan term you can get with Resource One CU Citizenship Loans?
Resource One CU Citizenship Loans offers loans with terms of up to 24 months.
| Personal Loan Amount | up to $4000 |
| Loan Term | up to 24 months |
| APR | Starting at 9.74% |
What fees does Resource One CU Citizenship Loans charge?
Does Resource One CU Citizenship Loans charge an origination fee?
Resource One CU Citizenship Loans may charge a personal loan origination fee .
Does Resource One CU Citizenship Loans charge a late fee?
Resource One CU Citizenship Loans does not disclose whether it charges late payment fees.
Does Resource One CU Citizenship Loans charge prepayment fees?
No, Resource One CU Citizenship 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 Resource One CU Citizenship Loans?
Resource One CU Citizenship Loans does not require or does not disclose a credit score minimum. Resource One CU Citizenship 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 Resource One CU Citizenship Loans. An uncommon feature is for lenders to offer their services to non-residents. Resource One Credit Union is one of the few that does. If you are a non-resident looking to access these services through an entity incorporated in the U.S., you are in luck. Resource One CU Citizenship Loans will consider you for their services.
To qualify, applicants may need to provide the following documentation:
- Proof of income
- Driver's license or other government photo ID
- Proof of identity
- Proof of citizenship or residence permit
| Minimum Age | N/A |
| Bank Account Required? | No |
| Application Types Accepted |
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| Credit Score | N/A |
Does Resource One CU Citizenship Loans report your account activity to credit bureaus?
Yes, Resource One CU Citizenship 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 Resource One Credit Union perform a hard credit pull?
Yes, Resource One CU Citizenship 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 Resource One CU Citizenship Loans legit?
Resource One 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
8:30AM - 5:30PM
Tuesday
8:30AM - 5:30PM
Wednesday
8:30AM - 5:30PM
Thursday
8:30AM - 5:30PM
Friday
8:30AM - 5:30PM
Saturday
9:00AM - 1:00PM
Other Services by Resource One Credit Union
Other Personal Loans from Resource One Credit Union
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APR
Starting at 10.99%
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Amount Range
N/A
Loan Term (Months)
N/A
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APR
Starting at 7.99%
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Amount Range
$25K - $40K
Loan Term (Months)
Up to 180
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9.99% - 11.99%
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Loan Term (Months)
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APR
Starting at 25.00%
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Amount Range
$200 - $2K
Loan Term (Months)
Starting at 12
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