Last Updated: 04/18/2025
Sidney Federal Credit Union Unsecured Loans
Unaffiliated
Last Updated: 04/18/2025
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Highlights
APR (Variable APR)
Starting at 9.49%(Verified 09/25/2024)
Amount Range
Up to $49,000
Loan Term (Months)
Up to 84
Sidney Federal Credit Union Unsecured Loans Review
Sidney Federal Credit Union Unsecured Loans is offered by Sidney Federal Credit Union, a credit union founded in 1949 and based in Sidney, NY. Sidney Federal Credit Union Unsecured Loans are available in 50 states, 5 US territories, 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. These are average interest rates for a personal loan. If you have good credit or a cosigner, you could probably find better rates.
- Super long loan terms. Sidney Federal Credit Union Unsecured Loans offers loan terms of up to 84 months. Most personal loans have a maximum term of 60 months.
Sidney Federal Credit Union Unsecured Loans Pros & Cons
| Pros | Cons |
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Sidney Federal Credit Union Unsecured Loans FAQ
What interest rates and personal loan terms does Sidney Federal Credit Union Unsecured Loans offer?
What interest rates does Sidney Federal Credit Union Unsecured Loans offer?
Sidney Federal Credit Union Unsecured Loans offers a variable APR personal loan product that starts at 9.49% APR.
What is the maximum loan term you can get with Sidney Federal Credit Union Unsecured Loans?
Sidney Federal Credit Union Unsecured Loans offers loans with terms of up to 84 months.
| Personal Loan Amount | up to $49000 |
| Loan Term | up to 84 months |
| APR | Starting at 9.49% |
What fees does Sidney Federal Credit Union Unsecured Loans charge?
Does Sidney Federal Credit Union Unsecured Loans charge an origination fee?
Sidney Federal Credit Union Unsecured Loans may charge a personal loan origination fee .
Does Sidney Federal Credit Union Unsecured Loans charge a late fee?
Sidney Federal Credit Union Unsecured Loans does not disclose whether it charges late payment fees.
Does Sidney Federal Credit Union Unsecured Loans charge prepayment fees?
No, Sidney Federal Credit Union Unsecured 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 Sidney Federal Credit Union Unsecured Loans?
Sidney Federal Credit Union Unsecured Loans does not require or does not disclose a credit score minimum. Sidney Federal Credit Union Unsecured 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 Sidney Federal Credit Union Unsecured Loans.
To qualify, applicants may need to provide the following documentation:
- Driver's license or other government photo ID
- Proof of identity
- Proof of citizenship or residence permit
| Minimum Age | N/A |
| Bank Account Required? | No |
| Application Types Accepted |
|
| Credit Score | N/A |
Does Sidney Federal Credit Union Unsecured Loans report your account activity to credit bureaus?
Yes, Sidney Federal Credit Union Unsecured 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 Sidney Federal Credit Union perform a hard credit pull?
Yes, Sidney Federal Credit Union Unsecured 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 Sidney Federal Credit Union Unsecured Loans legit?
Sidney Federal Credit Union was founded in 1949, it is a well-established company that has been in business for 77 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 - 4:30PM
Tuesday
9:00AM - 4:30PM
Wednesday
9:00AM - 4:30PM
Thursday
9:00AM - 4:30PM
Friday
9:00AM - 4:30PM
Saturday
9:00AM - 12:00PM
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