Last Updated: 04/18/2025
Santa Fe FCU Share Secured Loans
Unaffiliated
Last Updated: 04/18/2025
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Highlights
APR (Variable APR)
Starting at 4.0%(Verified 08/24/2024)
Amount Range
N/A
Loan Term (Months)
Up to 144
Santa Fe FCU Share Secured Loans Review
Santa Fe FCU Share Secured Loans is offered by Santa Fe Federal Credit Union, a credit union founded in 1936 and based in Amarillo, TX. Santa Fe FCU Share Secured Loans are available in 50 states, 5 US territories, 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. Personal loan interest rates typically range between 9% and 36%. The starting rates for Santa Fe FCU Share Secured Loans are on the lower end of the spectrum.
- Super long loan terms. Santa Fe FCU Share Secured Loans offers loan terms of up to 144 months. Most personal loans have a maximum term of 60 months.
Santa Fe FCU Share Secured Loans Pros & Cons
| Pros | Cons |
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Santa Fe FCU Share Secured Loans FAQ
What interest rates and personal loan terms does Santa Fe FCU Share Secured Loans offer?
Santa Fe FCU Share Secured Loans has lower than average interest rates for lenders reviewed on SuperMoney.
What interest rates does Santa Fe FCU Share Secured Loans offer?
Santa Fe FCU Share Secured Loans offers a variable APR personal loan product that starts at 4.0% APR.
What is the maximum loan term you can get with Santa Fe FCU Share Secured Loans?
Santa Fe FCU Share Secured Loans offers loans with terms of up to 144 months.
| Personal Loan Amount | N/A |
| Loan Term | up to 144 months |
| APR | Starting at 4.0% |
What fees does Santa Fe FCU Share Secured Loans charge?
Does Santa Fe FCU Share Secured Loans charge an origination fee?
Santa Fe FCU Share Secured Loans may charge a personal loan origination fee .
Does Santa Fe FCU Share Secured Loans charge a late fee?
Santa Fe FCU Share Secured Loans does not disclose whether it charges late payment fees.
Does Santa Fe FCU Share Secured Loans charge prepayment fees?
No, Santa Fe FCU Share Secured 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 Santa Fe FCU Share Secured Loans?
Santa Fe FCU Share Secured 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. Santa Fe FCU Share Secured 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 Santa Fe FCU Share Secured Loans.
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 Santa Fe FCU Share Secured Loans report your account activity to credit bureaus?
Yes, Santa Fe FCU Share Secured 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 Santa Fe Federal Credit Union perform a hard credit pull?
Yes, Santa Fe FCU Share Secured 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 Santa Fe FCU Share Secured Loans legit?
Santa Fe Federal 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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Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed