Is Service Plus Credit Union Personal Loans the right fit for you?
Last Updated: 04/18/2025
Service Plus Credit Union Personal Loans
Unaffiliated
Last Updated: 04/18/2025
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Highlights
APR (Fixed APR)
Starting at 11.25%(Verified 06/21/2024)
Amount Range
N/A
Loan Term (Months)
Up to 48
Service Plus Credit Union Personal Loans Review
Service Plus Credit Union Personal Loans is offered by Service Plus Credit Union, a credit union founded in 1950 and based in Moline, IL. Service Plus Credit Union Personal Loans are available in 50 states and Washington, DC.
Key Takeaways
- APRs starting at 11.25%. Personal loan interest rates typically range between 9% and 36%. The starting rates for Service Plus Credit Union Personal Loans are on the higher 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 Plus Credit Union Personal Loans.
Service Plus Credit Union Personal Loans Pros & Cons
| Pros | Cons |
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Service Plus Credit Union Personal Loans FAQ
What interest rates and personal loan terms does Service Plus Credit Union Personal Loans offer?
Service Plus Credit Union Personal Loans has higher than average interest rates for lenders reviewed on SuperMoney.
What interest rates does Service Plus Credit Union Personal Loans offer?
Service Plus Credit Union Personal Loans offers a fixed APR personal loan product that starts at 11.25% APR.
What is the maximum loan term you can get with Service Plus Credit Union Personal Loans?
Service Plus Credit Union Personal Loans offers loans with terms of up to 48 months.
| Personal Loan Amount | N/A |
| Loan Term | up to 48 months |
| APR | Starting at 11.25% |
What fees does Service Plus Credit Union Personal Loans charge?
Does Service Plus Credit Union Personal Loans charge an origination fee?
Service Plus Credit Union Personal Loans may charge a personal loan origination fee .
Does Service Plus Credit Union Personal Loans charge a late fee?
Service Plus Credit Union Personal Loans does not disclose whether it charges late payment fees.
Does Service Plus Credit Union Personal Loans charge prepayment fees?
No, Service Plus Credit Union 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.
| Origination Fee | No |
| Prepayment Fee | N/A |
| Late Payment Fee | No |
What do you need to qualify for Service Plus Credit Union Personal Loans?
Service Plus Credit Union Personal 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. Service Plus Credit Union Personal Loans 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 Plus Credit Union Personal 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 |
| Application Types Accepted |
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| Credit Score | N/A |
Does Service Plus Credit Union Personal Loans report your account activity to credit bureaus?
Yes, Service Plus 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 Service Plus Credit Union perform a hard credit pull?
Yes, Service Plus Credit Union 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 Service Plus Credit Union Personal Loans legit?
Service Plus Credit Union was founded in 1950, it is a well-established company that has been in business for 76 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.
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Hours of Operation
SundayClosedMonday8:30AM - 5:00PMTuesday8:30AM - 5:00PMWednesday8:30AM - 5:00PMThursday8:30AM - 5:00PMFriday8:30AM - 5:30PMSaturdayClosed
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Other Personal Loans from Service Plus Credit Union
Rating not yet determined
APR
2.300% - 7.64%
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Amount Range
N/A
Loan Term (Months)
N/A
Rating not yet determined
APR
2.15%
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Amount Range
N/A
Loan Term (Months)
N/A
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Learn MoreSuperMoney Net Recommendation Score
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