Last Updated: 04/18/2025
Service One Credit Union Personal 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
Up to $25,000
Loan Term (Months)
60
Service One Credit Union Personal Loan Review
Service One Credit Union Personal Loan is offered by Service One Credit Union, a credit union founded in 1963 and based in Bowling Green, KY. Service One Credit Union Personal Loan are available in 50 states, 5 US territories, and Washington, DC.
Key Takeaways
- APRs starting at 9.90%. Personal loan interest rates typically range between 9% and 36%. The starting rates for Service One Credit Union Personal Loan are on the lower end of the spectrum.
- Cosigner and coborrower applications accepted. A cosigner or coborrower can help you qualify for better rates and terms when applying for Service One Credit Union Personal Loan.
Service One Credit Union Personal Loan Pros & Cons
| Pros | Cons |
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Service One Credit Union Personal Loan FAQ
What interest rates and personal loan terms does Service One Credit Union Personal Loan offer?
What interest rates does Service One Credit Union Personal Loan offer?
Service One Credit Union Personal Loan offers a fixed APR personal loan product that starts at 9.90% APR.
What is the maximum loan term you can get with Service One Credit Union Personal Loan?
Service One Credit Union Personal Loan offers loans with terms of 60 months.
| Personal Loan Amount | up to $25000.00 |
| Loan Term | 60 months |
| APR | Starting at 9.90% |
What fees does Service One Credit Union Personal Loan charge?
Does Service One Credit Union Personal Loan charge an origination fee?
Service One Credit Union Personal Loan may charge a personal loan origination fee .
Does Service One Credit Union Personal Loan charge a late fee?
Service One Credit Union Personal Loan does not disclose whether it charges late payment fees.
Does Service One Credit Union Personal Loan charge prepayment fees?
No, Service One Credit Union 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 Service One Credit Union Personal Loan?
Service One Credit Union Personal 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. Service One Credit Union Personal Loan does not have or does not disclose a minimum annual income eligibility requirement. Note that borrowers can add a cosigner or a co-borrower to either meet eligibility requirements or qualify for lower interest rates.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Service One Credit Union Personal 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 |
| Application Types Accepted |
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| Credit Score | N/A |
Does Service One Credit Union Personal Loan report your account activity to credit bureaus?
Yes, Service One Credit Union Personal 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 Service One Credit Union perform a hard credit pull?
Yes, Service One Credit Union Personal 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 Service One Credit Union Personal Loan legit?
Service One Credit Union was founded in 1963, it is a well-established company that has been in business for 63 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.
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
8:00AM - 1:00PM
Other Services by Service One Credit Union
Other Personal Loans from Service One Credit Union
Rating not yet determined
APR
Starting at 12.00%
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Amount Range
$750 - $1,500
Loan Term (Months)
12
Rating not yet determined
APR
Starting at 12.00%
Disclaimer popup with additional information
Amount Range
$500 - $2,000
Loan Term (Months)
6 - 24
Rating not yet determined
APR
Starting at 4.00%
Disclaimer popup with additional information
Amount Range
N/A
Loan Term (Months)
36 - 66
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Learn MoreSuperMoney Net Recommendation Score
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