Last Updated: 04/18/2025
Royal Credit Union Homeowner Express Loan
Unaffiliated
in Personal Loans from Royal Credit Union
Last Updated: 04/18/2025
No Reviews Yet
This product has no reviews yet. Help others by sharing your thoughts.
Be the first to rate
Cast Your Vote
Get Competing Personal Loan Offers
Compare personal loan offers from multiple vetted lenders.
Discover your lowest eligible rate in minutes.
See how much you qualify for and what your monthly payment will be.
Get Personalized Rates
It's quick, easy, and won't hurt your credit score.
Highlights
APR (Variable APR)
9.24%(Verified 06/21/2024)
Amount Range
Up to $20,000
Loan Term (Months)
Up to 60
Royal Credit Union Homeowner Express Loan Review
Royal Credit Union Homeowner Express Loan is offered by Royal Credit Union, a credit union founded in 1964 and based in Eau Claire, WI. Royal Credit Union Homeowner Express Loan 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.
Royal Credit Union Homeowner Express Loan Pros & Cons
| Pros | Cons |
|
Royal Credit Union Homeowner Express Loan FAQ
What interest rates and personal loan terms does Royal Credit Union Homeowner Express Loan offer?
What interest rates does Royal Credit Union Homeowner Express Loan offer?
Royal Credit Union Homeowner Express Loan offers a variable APR personal loan product of 9.24%.
What is the maximum loan term you can get with Royal Credit Union Homeowner Express Loan?
Royal Credit Union Homeowner Express Loan offers loans with terms of up to 60 months.
| Personal Loan Amount | up to $20000 |
| Loan Term | up to 60 months |
| APR | 9.24% |
What fees does Royal Credit Union Homeowner Express Loan charge?
Does Royal Credit Union Homeowner Express Loan charge an origination fee?
Royal Credit Union Homeowner Express Loan may charge a personal loan origination fee .
Does Royal Credit Union Homeowner Express Loan charge a late fee?
Royal Credit Union Homeowner Express Loan does not disclose whether it charges late payment fees.
Does Royal Credit Union Homeowner Express Loan charge prepayment fees?
No, Royal Credit Union Homeowner Express Loan 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 Royal Credit Union Homeowner Express Loan?
Royal Credit Union Homeowner Express Loan 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. Royal Credit Union Homeowner Express Loan 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 Royal Credit Union Homeowner Express Loan.
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 Royal Credit Union Homeowner Express Loan report your account activity to credit bureaus?
Yes, Royal Credit Union Homeowner Express Loan 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 Royal Credit Union perform a hard credit pull?
Yes, Royal Credit Union Homeowner Express Loan 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 Royal Credit Union Homeowner Express Loan legit?
Royal Credit Union was founded in 1964, it is a well-established company that has been in business for 62 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 - 7:00PM
Tuesday
8:30AM - 7:00PM
Wednesday
8:30AM - 7:00PM
Thursday
8:30AM - 7:00PM
Friday
8:30AM - 7:00PM
Saturday
8:30AM - 2:00PM