Last Updated: 04/18/2025
San Joaquin Power Employees CU Pledge of Shares Loan
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Last Updated: 04/18/2025
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Highlights
APR (Fixed APR)
5.30% - 7.10%(Verified 06/28/2024)
Amount Range
N/A
Loan Term (Months)
60 - 120
San Joaquin Power Employees CU Pledge of Shares Loan Review
San Joaquin Power Employees CU Pledge of Shares Loan is offered by San Joaquin Power Employees Credit Union, a credit union founded in 1934 and based in Fresno, CA. San Joaquin Power Employees CU Pledge of Shares Loan are available in 50 states, 5 US territories, and Washington, DC.
Key Takeaways
- APRs starting at 5.30%. Personal loan interest rates typically range between 9% and 36%. The starting rates for San Joaquin Power Employees CU Pledge of Shares Loan are on the lower end of the spectrum.
- Super long loan terms. San Joaquin Power Employees CU Pledge of Shares Loan offers loan terms of up to 120 months. Most personal loans have a maximum term of 60 months.
San Joaquin Power Employees CU Pledge of Shares Loan Pros & Cons
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San Joaquin Power Employees CU Pledge of Shares Loan FAQ
What interest rates and personal loan terms does San Joaquin Power Employees CU Pledge of Shares Loan offer?
San Joaquin Power Employees CU Pledge of Shares Loan has lower than average interest rates for lenders reviewed on SuperMoney.
What interest rates does San Joaquin Power Employees CU Pledge of Shares Loan offer?
San Joaquin Power Employees CU Pledge of Shares Loan offers a fixed APR personal loan product that ranges from 5.30% APR up to 7.10% APR.
What is the maximum loan term you can get with San Joaquin Power Employees CU Pledge of Shares Loan?
San Joaquin Power Employees CU Pledge of Shares Loan offers loans with terms of up to 120 months.
| Personal Loan Amount | N/A |
| Loan Term | 60 - 120 months |
| APR | 5.30% - 7.10% |
What fees does San Joaquin Power Employees CU Pledge of Shares Loan charge?
Does San Joaquin Power Employees CU Pledge of Shares Loan charge an origination fee?
San Joaquin Power Employees CU Pledge of Shares Loan may charge a personal loan origination fee .
Does San Joaquin Power Employees CU Pledge of Shares Loan charge a late fee?
San Joaquin Power Employees CU Pledge of Shares Loan does not disclose whether it charges late payment fees.
Does San Joaquin Power Employees CU Pledge of Shares Loan charge prepayment fees?
No, San Joaquin Power Employees CU Pledge of Shares 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 San Joaquin Power Employees CU Pledge of Shares Loan?
San Joaquin Power Employees CU Pledge of Shares 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. San Joaquin Power Employees CU Pledge of Shares 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 San Joaquin Power Employees CU Pledge of Shares Loan.
To qualify, applicants may need to provide the following documentation:
- Driver's license or other government photo ID
- Government issued photo ID
- Proof of identity
| Minimum Age | 18 |
| Bank Account Required? | No |
| Credit Score | N/A |
Does San Joaquin Power Employees CU Pledge of Shares Loan report your account activity to credit bureaus?
Yes, San Joaquin Power Employees CU Pledge of Shares 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 San Joaquin Power Employees Credit Union perform a hard credit pull?
Yes, San Joaquin Power Employees CU Pledge of Shares 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 San Joaquin Power Employees CU Pledge of Shares Loan legit?
San Joaquin Power Employees Credit Union was founded in 1934, it is a well-established company that has been in business for 92 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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Hours of Operation
Sunday
Closed
Monday
7:30AM - 4:00PM
Tuesday
7:30AM - 4:00PM
Wednesday
7:30AM - 4:00PM
Thursday
7:30AM - 4:00PM
Friday
7:30AM - 4:00PM
Saturday
Closed