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Last Updated: 04/18/2025

SELCO Personal Loans

in Personal Loans from SELCO Community Credit Union

Last Updated: 04/18/2025

Created by:

SuperMoney

Fact Checked by:

Andrew Latham

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Highlights

APR (Variable APR)

12.99% - 28.49%(Verified 06/21/2024)

Amount Range

Up to $25,000

Loan Term (Months)

N/A

SELCO Personal Loans Review

SELCO Personal Loans is offered by SELCO Community Credit Union, a credit union founded in 1936 and based in Eugene, OR. selco personal loans 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. Personal loan interest rates typically range between 9% and 36%. The starting rates for SELCO Personal Loans are on the higher end of the market.

selco personal loans Pros & Cons

Pros

Cons

APRs as high as 28.49%.
Charges an origination fee.
Does not offer pre-approval with soft credit pull.
Charges prepayment fees.
No co-sign option available.

selco personal loans FAQ

What interest rates and personal loan terms does selco personal loans offer?

selco personal loans has higher than average interest rates for lenders reviewed on SuperMoney.

What interest rates does selco personal loans offer?

selco personal loans offers a variable APR personal loan product that ranges from 12.99% APR up to 28.49% APR.

selco personal loans Interest Rates & Loan Terms

Personal Loan Amount

up to $25000

Loan Term

N/A

APR

12.99% - 28.49%

What fees does selco personal loans charge?

Does selco personal loans charge an origination fee?

selco personal loans may charge a personal loan origination fee .

Does selco personal loans charge a late fee?

selco personal loans does not disclose whether it charges late payment fees.

Does selco personal loans charge prepayment fees?

No, selco personal 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.

selco personal loans Fees

Origination Fee

Prepayment Fee

N/A

Late Payment Fee

What do you need to qualify for SELCO Personal Loans?

SELCO Personal Loans does not require or does not disclose a credit score minimum.

SELCO 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 SELCO Personal Loans.

To qualify, applicants may need to provide the following documentation:

Proof of income
Proof of insurance
Driver's license or other government photo ID
Proof of identity
Proof of citizenship or residence permit

selco personal loans Eligibility Criteria

Minimum Age

N/A

Bank Account Required?

Credit Score

N/A

Does SELCO Personal Loans report your account activity to credit bureaus?

Yes, SELCO 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 SELCO Community Credit Union perform a hard credit pull?

Yes, selco personal 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 SELCO Personal Loans legit?

selco community 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.

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.

Contact

Headquarters

299 E 11th Ave

Eugene, OR 97401

(800) 445-4483

Visit Site

Email Support

Hours of Operation

Sunday

Closed

Monday

9:30AM - 5:30PM

Tuesday

9:30AM - 5:30PM

Wednesday

9:30AM - 5:30PM

Thursday

9:30AM - 5:30PM

Friday

9:30AM - 6:00PM

Saturday

Closed

SELCO Personal Loans

Get Competing Personal Loan Offers

Highlights

SELCO Personal Loans Review

Key Takeaways

selco personal loans Pros & Cons

selco personal loans FAQ

What interest rates and personal loan terms does selco personal loans offer?

What interest rates does selco personal loans offer?

What fees does selco personal loans charge?

Does selco personal loans charge an origination fee?

Does selco personal loans charge a late fee?

Does selco personal loans charge prepayment fees?

What do you need to qualify for SELCO Personal Loans?

Does SELCO Personal Loans report your account activity to credit bureaus?

Does SELCO Community Credit Union perform a hard credit pull?

Are SELCO Personal Loans legit?

Contact

Hours of Operation

Other Services by SELCO Community Credit Union