Last Updated: 04/18/2025
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Highlights
APR (Fixed APR)
8.50% - 18.00%(Verified 07/09/2024)
Amount Range
$500 - $25,000
Loan Term (Months)
Up to 72
Sound Credit Union Personal Loans Review
Sound Credit Union Personal Loans is offered by Sound Credit Union, a credit union founded in 1940 and based in Tacoma, WA. Sound Credit Union Personal Loans are available in 50 states, 5 US territories, and Washington, DC.
Key Takeaways
- APRs starting at 8.50%. Personal loan interest rates typically range between 9% and 36%. The starting rates for Sound Credit Union Personal Loans 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 Sound Credit Union Personal Loans.
- Super long loan terms. Sound Credit Union Personal Loans offers loan terms of up to 72 months. Most personal loans have a maximum term of 60 months.
Sound Credit Union Personal Loans Pros & Cons
| Pros | Cons |
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Sound Credit Union Personal Loans FAQ
What interest rates and personal loan terms does Sound Credit Union Personal Loans offer?
What interest rates does Sound Credit Union Personal Loans offer?
Sound Credit Union Personal Loans offers a fixed APR personal loan product that ranges from 8.50% APR up to 18.00% APR.
How much can you borrow via Sound Credit Union Personal Loans?
Personal loan amounts start at $500.00 and go up to $25,000.00
What is the maximum loan term you can get with Sound Credit Union Personal Loans?
Sound Credit Union Personal Loans offers loans with terms of up to 72 months.
| Personal Loan Amount | $500.00 - $25000.00 |
| Loan Term | up to 72 months |
| APR | 8.50% - 18.00% |
What fees does Sound Credit Union Personal Loans charge?
Does Sound Credit Union Personal Loans charge an origination fee?
Sound Credit Union Personal Loans may charge a personal loan origination fee .
Does Sound Credit Union Personal Loans charge a late fee?
Sound Credit Union Personal Loans does not disclose whether it charges late payment fees.
Does Sound Credit Union Personal Loans charge prepayment fees?
No, Sound 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 | No |
| Late Payment Fee | Starting at $29.00 |
What do you need to qualify for Sound Credit Union Personal Loans?
Sound 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. Sound 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 Sound 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 Sound Credit Union Personal Loans report your account activity to credit bureaus?
Yes, Sound 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 Sound Credit Union perform a hard credit pull?
Yes, Sound 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 Sound Credit Union Personal Loans legit?
Sound Credit Union was founded in 1940, it is a well-established company that has been in business for 86 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
Closed
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