Is Southwest Financial FCU Hassle-Free Loans the right fit for you?
Last Updated: 04/18/2025
Southwest Financial FCU Hassle-Free Loans
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Last Updated: 04/18/2025
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Highlights
APR (Variable APR)
17.99%(Verified 06/21/2024)
Amount Range
Up to $1,000
Loan Term (Months)
N/A
Southwest Financial FCU Hassle-Free Loans Review
Southwest Financial FCU Hassle-Free Loans is offered by Southwest Financial Federal Credit Union, a credit union founded in 1962 and based in Farmers Branch, TX. Southwest Financial FCU Hassle-Free 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 Southwest Financial FCU Hassle-Free Loans are on the higher end of the market.
- Cosigner and coborrower applications accepted. A cosigner or coborrower can help you qualify for better rates and terms when applying for Southwest Financial FCU Hassle-Free Loans.
Southwest Financial FCU Hassle-Free Loans Pros & Cons
| Pros | Cons |
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Southwest Financial FCU Hassle-Free Loans FAQ
What interest rates and personal loan terms does Southwest Financial FCU Hassle-Free Loans offer?
Southwest Financial FCU Hassle-Free Loans has higher than average interest rates for lenders reviewed on SuperMoney.
What interest rates does Southwest Financial FCU Hassle-Free Loans offer?
Southwest Financial FCU Hassle-Free Loans offers a variable APR personal loan product of 17.99%.
| Personal Loan Amount | up to $1000 |
| Loan Term | N/A |
| APR | 17.99% |
What fees does Southwest Financial FCU Hassle-Free Loans charge?
Does Southwest Financial FCU Hassle-Free Loans charge an origination fee?
Southwest Financial FCU Hassle-Free Loans may charge a personal loan origination fee .
Does Southwest Financial FCU Hassle-Free Loans charge a late fee?
Southwest Financial FCU Hassle-Free Loans does not disclose whether it charges late payment fees.
Does Southwest Financial FCU Hassle-Free Loans charge prepayment fees?
No, Southwest Financial FCU Hassle-Free 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 Southwest Financial FCU Hassle-Free Loans?
Southwest Financial FCU Hassle-Free Loans does not require or does not disclose a credit score minimum. Southwest Financial FCU Hassle-Free 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 Southwest Financial FCU Hassle-Free Loans.
To qualify, applicants may need to provide the following documentation:
- Proof of income
- 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 |
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| Credit Score | N/A |
Does Southwest Financial FCU Hassle-Free Loans report your account activity to credit bureaus?
Yes, Southwest Financial FCU Hassle-Free 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 Southwest Financial Federal Credit Union perform a hard credit pull?
Yes, Southwest Financial FCU Hassle-Free 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 Southwest Financial FCU Hassle-Free Loans legit?
Southwest Financial Federal Credit Union was founded in 1962, it is a well-established company that has been in business for 64 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
SundayClosedMonday9:00AM - 5:00PMTuesday9:00AM - 5:00PMWednesday9:00AM - 5:00PMThursday9:00AM - 5:00PMFriday9:00AM - 5:00PMSaturdayClosed
Other Services by Southwest Financial Federal Credit Union
Other Personal Loans from Southwest Financial Federal Credit Union
Rating not yet determined
APR
Starting at 9.99%
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Amount Range
N/A
Loan Term (Months)
N/A
SuperMoney Net Recommendation Score
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