Last Updated: 04/18/2025
St. Francis X FCU Personal/Signature Loans
Unaffiliated
Last Updated: 04/18/2025
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Highlights
APR (Fixed APR)
Starting at 10.99%(Verified 09/23/2024)
Amount Range
Up to $7,500
Loan Term (Months)
N/A
St. Francis X FCU Personal/Signature Loans Review
St. Francis X FCU Personal/Signature Loans is offered by St. Francis X Federal Credit Union, a credit union founded in 1951 and based in Petoskey, MI. St. Francis X FCU Personal/Signature Loans are available in 50 states, 5 US territories, and Washington, DC.
Key Takeaways
- APRs starting at 10.99%. Personal loan interest rates typically range between 9% and 36%. The starting rates for St. Francis X FCU Personal/Signature Loans are on the higher end of the spectrum.
St. Francis X FCU Personal/Signature Loans Pros & Cons
| Pros | Cons |
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St. Francis X FCU Personal/Signature Loans FAQ
What interest rates and personal loan terms does St. Francis X FCU Personal/Signature Loans offer?
St. Francis X FCU Personal/Signature Loans has higher than average interest rates for lenders reviewed on SuperMoney.
What interest rates does St. Francis X FCU Personal/Signature Loans offer?
St. Francis X FCU Personal/Signature Loans offers a fixed APR personal loan product that starts at 10.99% APR.
| Personal Loan Amount | up to $7500.00 |
| Loan Term | N/A |
| APR | Starting at 10.99% |
What fees does St. Francis X FCU Personal/Signature Loans charge?
Does St. Francis X FCU Personal/Signature Loans charge an origination fee?
St. Francis X FCU Personal/Signature Loans may charge a personal loan origination fee .
Does St. Francis X FCU Personal/Signature Loans charge a late fee?
St. Francis X FCU Personal/Signature Loans does not disclose whether it charges late payment fees.
Does St. Francis X FCU Personal/Signature Loans charge prepayment fees?
No, St. Francis X FCU Personal/Signature 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 St. Francis X FCU Personal/Signature Loans?
St. Francis X FCU Personal/Signature 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. St. Francis X FCU Personal/Signature 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 St. Francis X FCU Personal/Signature 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 |
| Credit Score | N/A |
Does St. Francis X FCU Personal/Signature Loans report your account activity to credit bureaus?
Yes, St. Francis X FCU Personal/Signature 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 St. Francis X Federal Credit Union perform a hard credit pull?
Yes, St. Francis X FCU Personal/Signature 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 St. Francis X FCU Personal/Signature Loans legit?
St. Francis X Federal Credit Union was founded in 1951, it is a well-established company that has been in business for 75 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.
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Hours of Operation
Sunday
Closed
Monday
8:30AM - 5:00PM
Tuesday
8:30AM - 5:00PM
Wednesday
8:30AM - 12:00PM
Thursday
8:30AM - 5:00PM
Friday
8:30AM - 6:00PM
Saturday
8:30AM - 12:00PM