Robins FCU Personal Loans
Robins FCU Personal Loans
in Personal Loans from Robins Financial Credit Union

Robins FCU Personal Loans

in Personal Loans from Robins Financial Credit Union
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Robins FCU Personal Loans Review

Robins FCU Personal Loans is offered by robins federal credit union, a credit union founded in 1954 and based in Warner Robins, GA. Robins FCU 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.
  • Charges a prepayment fee. This is rare for personal loans. It means you will have to pay a fee if you pay off your Robins FCU Personal Loans early.

Robins FCU Personal Loans Pros & Cons

Pros Cons
  • Charges an origination fee.
  • Does not offer pre-approval with soft credit pull.
  • Charges prepayment fees.
  • Charges a late fee

Robins FCU Personal Loans FAQ

What interest rates and personal loan terms does Robins FCU Personal Loans offer?

Robins FCU Personal Loans has lower than average interest rates for lenders reviewed on SuperMoney.

What interest rates does Robins FCU Personal Loans offer?

Robins FCU Personal Loans offers a variable APR personal loan product but they do not disclose their interest rates.

Robins FCU Personal Loans Interest Rates & Loan Terms
Personal Loan Amount N/A
Loan Term N/A

What fees does Robins FCU Personal Loans charge?

Does Robins FCU Personal Loans charge an origination fee?

Robins FCU Personal Loans may charge a personal loan origination fee.

Does Robins FCU Personal Loans charge a late fee?

No, Robins FCU Personal Loans will not charge you a late fee if you miss one of the monthly payments.

Does Robins FCU Personal Loans charge prepayment fees?

No, Robins 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.

Robins FCU Personal Loans Fees
Origination Fee No
Prepayment Fee N/A
Late Payment Fee No

What do you need to qualify for Robins FCU Personal Loans?

Robins 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.

Robins FCU Personal Loans does not have or does not disclose a minimum annual income eligibility requirement. Robins FCU Personal Loans only considers borrowers who are employed.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. Active duty service members and their covered dependents are eligible to apply for a loan via Robins FCU Personal Loans. Their rates fall within the limits of The Military Lending Act.

U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Robins FCU Personal Loans.

To qualify, applicants may need to provide the following documentation:

  • Proof of income
  • Driver's license
  • Proof of identity
  • Proof of citizenship or residence permit
Robins FCU Personal Loans Eligibility Criteria
Minimum Age 18
Bank Account Required? No
Application Types Accepted
  • Individual Applications
Credit Score N/A

Does Robins FCU Personal Loans report your account activity to credit bureaus?

Yes, Robins FCU Personal Loans reports your account activity to the following credit reporting agencies:

  • 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 improve your credit.

Are Robins FCU Personal Loans legit?

Robins Financial Credit Union was founded in 1954, it is a well-established company that has been in business for 69 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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  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Joint Loan Applications Accepted
  • Individual Applications
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
  • Cash
  • 1099 Misc. Income
  • Tax Returns
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
  • Proof of Income
  • Proof of Identity
  • Social Security Number
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Payment Options
  • Automatic Payments
  • Credit/Debit Card
  • Bank Transfer
APR Type Variable APR

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