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Last Updated: 04/18/2025

Resource One CU Personal Loans

from Resource One Credit Union

Last Updated: 04/18/2025

Created by:

SuperMoney

Fact Checked by:

Andrew Latham

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Highlights

APR (Variable APR)

9.99% - 11.99%(Verified 06/21/2024)

Amount Range

N/A

Loan Term (Months)

Up to 60

Resource One CU Personal Loans Review

Resource One CU Personal Loans is offered by Resource One Credit Union, a credit union founded in 1936 and based in Dallas, TX. Resource One CU Personal 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.

Resource One CU Personal Loans Pros & Cons

Pros

Cons

Charges an origination fee.
Does not offer pre-approval with soft credit pull.
Resource One CU Personal Loans does not report to credit bureaus.
Charges prepayment fees.
No co-sign option available.

Resource One CU Personal Loans FAQ

What interest rates and personal loan terms does Resource One CU Personal Loans offer?

What interest rates does Resource One CU Personal Loans offer?

Resource One CU Personal Loans offers a variable APR personal loan product that ranges from 9.99% APR up to 11.99% APR.

What is the maximum loan term you can get with Resource One CU Personal Loans?

Resource One CU Personal Loans offers loans with terms of up to 60 months.

Resource One CU Personal Loans Interest Rates & Loan Terms

Personal Loan Amount

N/A

Loan Term

up to 60 months

APR

9.99% - 11.99%

What fees does Resource One CU Personal Loans charge?

Does Resource One CU Personal Loans charge an origination fee?

Resource One CU Personal Loans may charge a personal loan origination fee .

Does Resource One CU Personal Loans charge a late fee?

Resource One CU Personal Loans does not disclose whether it charges late payment fees.

Does Resource One CU Personal Loans charge prepayment fees?

No, Resource One CU 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.

Resource One CU Personal Loans Fees

Origination Fee

Prepayment Fee

N/A

Late Payment Fee

What do you need to qualify for Resource One CU Personal Loans?

Resource One CU Personal Loans does not require or does not disclose a credit score minimum.

Resource One CU Personal 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 Personal 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

Resource One CU Personal Loans Eligibility Criteria

Minimum Age

N/A

Bank Account Required?

Application Types Accepted

Individual Applications

Credit Score

N/A

Does Resource One Credit Union perform a hard credit pull?

Yes, Resource One CU 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 Resource One CU Personal 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.

Contact

Headquarters

1200 Belleview St

Dallas, TX 75215

(800) 375-3674

Visit Site

Email Support

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

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Other Personal Loans from Resource One Credit Union

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APR

Starting at 9.74%

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Amount Range

Up to $4K

Loan Term (Months)

Up to 24

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Resource One CU Credit Builder Loans

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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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Resource One CU Home Improvement Loans

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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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Resource One CU QuickCash Loans

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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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SuperMoney Net Recommendation Score

This product has no reviews yet. Help others by sharing your thoughts.

-1000+100

No one recommends

Everyone recommends

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.