Last Updated: 04/18/2025
Santa Rosa County FCU Christmas Loan
Unaffiliated
Last Updated: 04/18/2025
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Highlights
APR (Fixed APR)
Starting at 9.90%(Verified 06/21/2024)
Amount Range
N/A
Loan Term (Months)
Up to 12
Santa Rosa County FCU Christmas Loan Review
Santa Rosa County FCU Christmas Loan is offered by Santa Rosa County Federal Credit Union, a credit union founded in 1957 and based in Milton, FL. Santa Rosa County FCU Christmas Loan are available in 50 states and Washington, DC.
Key Takeaways
- APRs starting at 9.90%. Personal loan interest rates typically range between 9% and 36%. The starting rates for Santa Rosa County FCU Christmas Loan are on the lower end of the spectrum.
Santa Rosa County FCU Christmas Loan Pros & Cons
| Pros | Cons |
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Santa Rosa County FCU Christmas Loan FAQ
What interest rates and personal loan terms does Santa Rosa County FCU Christmas Loan offer?
What interest rates does Santa Rosa County FCU Christmas Loan offer?
Santa Rosa County FCU Christmas Loan offers a fixed APR personal loan product that starts at 9.90% APR.
What is the maximum loan term you can get with Santa Rosa County FCU Christmas Loan?
Santa Rosa County FCU Christmas Loan offers loans with terms of up to 12 months.
| Personal Loan Amount | N/A |
| Loan Term | up to 12 months |
| APR | Starting at 9.90% |
What fees does Santa Rosa County FCU Christmas Loan charge?
Does Santa Rosa County FCU Christmas Loan charge an origination fee?
Santa Rosa County FCU Christmas Loan may charge a personal loan origination fee .
Does Santa Rosa County FCU Christmas Loan charge a late fee?
Santa Rosa County FCU Christmas Loan does not disclose whether it charges late payment fees.
Does Santa Rosa County FCU Christmas Loan charge prepayment fees?
Yes, Santa Rosa County FCU Christmas Loan may charge additional fees to borrowers who pay off their loans sooner than anticipated. Take this into consideration when choosing a lender because prepayment penalties can reduce or even cancel the interest savings of repaying a personal loan early.
| Origination Fee | No |
| Prepayment Fee | Yes |
| Late Payment Fee | No |
What do you need to qualify for Santa Rosa County FCU Christmas Loan?
Santa Rosa County FCU Christmas 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. Santa Rosa County FCU Christmas Loan does not have or does not disclose a minimum annual income eligibility requirement.
U.S. citizens and permanent resident / green card holders with a U.S. tax identification number are eligible to apply for the services offered by Santa Rosa County FCU Christmas 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
- Proof of citizenship or residence permit
- U.S. tax identification number
| Minimum Age | 18 |
| Bank Account Required? | No |
| Credit Score | N/A |
Does Santa Rosa County FCU Christmas Loan report your account activity to credit bureaus?
Yes, Santa Rosa County FCU Christmas 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 Santa Rosa County Federal Credit Union perform a hard credit pull?
Yes, Santa Rosa County FCU Christmas 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 Santa Rosa County FCU Christmas Loan legit?
Santa Rosa County Federal Credit Union was founded in 1957, 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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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
9:00AM - 4:30PM
Tuesday
9:00AM - 4:30PM
Wednesday
9:00AM - 4:30PM
Thursday
9:00AM - 4:30PM
Friday
9:00AM - 4:30PM
Saturday
Closed