Last Updated: 04/18/2025
Resource One CU Home Improvement Loans
Unaffiliated
Last Updated: 04/18/2025
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Highlights
APR (Fixed APR)
Starting at 7.99%(Verified 06/21/2024)
Amount Range
$25,000 - $40,000
Loan Term (Months)
Up to 180
Resource One CU Home Improvement Loans Review
Resource One CU Home Improvement Loans is offered by Resource One Credit Union, a credit union founded in 1936 and based in Dallas, TX. Resource One CU Home Improvement Loans are available in 50 states and Washington, DC.
Key Takeaways
- APRs starting at 7.99%. Personal loan interest rates typically range between 9% and 36%. The starting rates for Resource One CU Home Improvement Loans are on the lower end of the spectrum.
- Super long loan terms. Resource One CU Home Improvement Loans offers loan terms of up to 180 months. Most personal loans have a maximum term of 60 months.
Resource One CU Home Improvement Loans Pros & Cons
| Pros | Cons |
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Resource One CU Home Improvement Loans FAQ
What interest rates and personal loan terms does Resource One CU Home Improvement Loans offer?
Resource One CU Home Improvement Loans has lower than average interest rates for lenders reviewed on SuperMoney.
What interest rates does Resource One CU Home Improvement Loans offer?
Resource One CU Home Improvement Loans offers a fixed APR personal loan product that starts at 7.99% APR.
How much can you borrow via Resource One CU Home Improvement Loans?
Personal loan amounts start at $25,000 and go up to $40,000
What is the maximum loan term you can get with Resource One CU Home Improvement Loans?
Resource One CU Home Improvement Loans offers loans with terms of up to 180 months.
| Personal Loan Amount | $25000 - $40000 |
| Loan Term | up to 180 months |
| APR | Starting at 7.99% |
What fees does Resource One CU Home Improvement Loans charge?
Does Resource One CU Home Improvement Loans charge an origination fee?
Resource One CU Home Improvement Loans may charge a personal loan origination fee .
Does Resource One CU Home Improvement Loans charge a late fee?
Resource One CU Home Improvement Loans does not disclose whether it charges late payment fees.
Does Resource One CU Home Improvement Loans charge prepayment fees?
No, Resource One CU Home Improvement 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 Home Improvement Loans?
Resource One CU Home Improvement 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. Resource One CU Home Improvement Loans does not have or does not disclose a minimum annual income eligibility requirement.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Resource One CU Home Improvement Loans.
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
- Proof of residence
| Minimum Age | 18 |
| Bank Account Required? | No |
| Credit Score | N/A |
Does Resource One CU Home Improvement Loans report your account activity to credit bureaus?
Yes, Resource One CU Home Improvement 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 Home Improvement 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 Home Improvement 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.
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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.
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