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Last Updated: 04/18/2025

SRP Personal Loans

in Personal Loans from SRP Federal Credit Union

Last Updated: 04/18/2025

Created by:

SuperMoney

Fact Checked by:

Andrew Latham

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Highlights

APR (Variable APR)

9.89% - 15.89%(Verified 06/21/2024)

Amount Range

$250 - $5,000

Loan Term (Months)

Up to 60

SRP Personal Loans Review

SRP Personal Loans is offered by SRP Federal Credit Union, a credit union founded in 1960 and based in North Augusta, SC. srp personal 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. These are average interest rates for a personal loan. If you have good credit or a cosigner, you could probably find better rates.

srp personal loans Pros & Cons

Pros

Cons

Charges an origination fee.
Does not offer pre-approval with soft credit pull.
Charges prepayment fees.
No co-sign option available.

srp personal loans FAQ

What interest rates and personal loan terms does srp personal loans offer?

What interest rates does srp personal loans offer?

srp personal loans offers a variable APR personal loan product that ranges from 9.89% APR up to 15.89% APR.

How much can you borrow via srp personal loans?

Personal loan amounts start at $250 and go up to $5,000

What is the maximum loan term you can get with srp personal loans?

srp personal loans offers loans with terms of up to 60 months.

srp personal loans Interest Rates & Loan Terms

Personal Loan Amount

$250 - $5000

Loan Term

up to 60 months

APR

9.89% - 15.89%

What fees does srp personal loans charge?

Does srp personal loans charge an origination fee?

srp personal loans may charge a personal loan origination fee .

Does srp personal loans charge a late fee?

srp personal loans does not disclose whether it charges late payment fees.

Does srp personal loans charge prepayment fees?

No, srp 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.

srp personal loans Fees

Origination Fee

Prepayment Fee

N/A

Late Payment Fee

What do you need to qualify for SRP Personal Loans?

SRP Personal Loans does not require or does not disclose a credit score minimum.

SRP Personal 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 SRP Personal 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

srp personal loans Eligibility Criteria

Minimum Age

N/A

Bank Account Required?

Credit Score

N/A

Does SRP Personal Loans report your account activity to credit bureaus?

Yes, SRP 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 SRP Federal Credit Union perform a hard credit pull?

Yes, srp 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 SRP Personal Loans legit?

srp federal credit union was founded in 1960, it is a well-established company that has been in business for 66 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.

Contact

Headquarters

1070 Edgefield Rd

North Augusta, SC 29860

(803) 278-4851

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Email Support

Hours of Operation

Sunday

Closed

Monday

8:30AM - 5:30PM

Tuesday