Last Updated: 04/18/2025
Schools First Federal Credit Union Personal Loans
Unaffiliated
Last Updated: 04/18/2025
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Highlights
APR (Fixed APR)
7.95% - 18%(Verified 06/21/2024)
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Amount Range
$500 - $50,000
Loan Term (Months)
Up to 60
Schools First Federal Credit Union Personal Loans Review
Schools First Federal Credit Union Personal Loans is offered by Schools First Federal Credit Union, a credit union founded in 1934 and based in Santa Ana, CA. Schools First personal loan are available in 1 state.
Key Takeaways
- APRs starting at 7.95%. Personal loan interest rates typically range between 9% and 36%. The starting rates for Schools First Federal Credit Union Personal Loans are on the lower end of the spectrum.
- Large loan amounts. You can apply for loan amounts of up to $50,000 with Schools First Federal Credit Union Personal Loans .
- Prequalified rate. You can check your prequalified rate at Schools First Federal Credit Union with a soft pull that will not affect your FICO or VantageScore.
Schools First personal loan Pros & Cons
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Schools First personal loan FAQ
What interest rates and personal loan terms does Schools First personal loan offer?
Schools First personal loan has lower than average interest rates for lenders reviewed on SuperMoney.
What interest rates does Schools First personal loan offer?
Schools First personal loan offers a fixed APR personal loan product that ranges from 7.95% APR up to 18% APR.
How much can you borrow via Schools First personal loan?
Personal loan amounts start at $500 and go up to $50,000
What is the maximum loan term you can get with Schools First personal loan?
Schools First personal loan offers loans with terms of up to 60 months.
| Personal Loan Amount | $500 - $50000 |
| Loan Term | up to 60 months |
| APR | 7.95% - 18% |
What fees does Schools First personal loan charge?
Does Schools First personal loan charge an origination fee?
Schools First personal loan may charge a personal loan origination fee .
Does Schools First personal loan charge a late fee?
Schools First personal loan does not disclose whether it charges late payment fees.
Does Schools First personal loan charge prepayment fees?
No, Schools First personal 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 | No |
| Late Payment Fee | No |
What do you need to qualify for Schools First Federal Credit Union Personal Loans?
Applicants with a credit score of at least 580 and up to 840 may be eligible for Schools First Federal Credit Union Personal Loans. The minimum age to be eligible is 18 or the state minimum, whichever is higher. Schools First Federal Credit Union Personal 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 Schools First Federal Credit Union Personal Loans.
To qualify, applicants may need to provide the following documentation:
- Proof of income
- Government issued photo ID
- Proof of identity
- Proof of residence
| Minimum Age | 18 |
| Bank Account Required? | No |
| Credit Score | 580 - 840 |
Does Schools First Federal Credit Union Personal Loans report your account activity to credit bureaus?
Yes, Schools First Federal Credit Union Personal 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 Schools First Federal Credit Union perform a hard credit pull?
As is the case with most providers, a hard credit pull will likely occur if you accept an offer after checking your rates. Schools First personal loan allows you to check your rates with a soft credit pull.
Are Schools First Federal Credit Union Personal Loans legit?
Schools First Federal 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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Contact
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 - 6:00PM
Saturday
9:00AM - 2:00PM