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Last Updated: 04/18/2025

STCU Personal Loans

from STCU

Last Updated: 04/18/2025

Created by:

created by author logoSuperMoney

Fact Checked by:

fact checked by author logoAndrew Latham
STCU logo
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Compare personal loan offers from multiple vetted lenders.

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Discover your lowest eligible rate in minutes.

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Highlights

APR (Variable APR)

3.25% - 13.49%(Verified 06/21/2024)

Amount Range

N/A

Loan Term (Months)

N/A

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STCU Personal Loans Review

STCU Personal Loans is offered by STCU, a credit union founded in 1934 and based in Liberty Lake, WA. STCU 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. Personal loan interest rates typically range between 9% and 36%. The starting rates for STCU Personal Loans are on the lower end of the spectrum.

STCU Personal Loans Pros & Cons

STCU Personal Loans FAQ

What interest rates and personal loan terms does STCU Personal Loans offer?

STCU Personal Loans has lower than average interest rates for lenders reviewed on SuperMoney.

What interest rates does STCU Personal Loans offer?

STCU Personal Loans offers a variable APR personal loan product that ranges from 3.25% APR up to 13.49% APR.

What fees does STCU Personal Loans charge?

Does STCU Personal Loans charge an origination fee?

STCU Personal Loans may charge a personal loan origination fee .

Does STCU Personal Loans charge a late fee?

STCU Personal Loans does not disclose whether it charges late payment fees.

Does STCU Personal Loans charge prepayment fees?

No, STCU 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.

What do you need to qualify for STCU Personal Loans?

STCU 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.
STCU 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 STCU Personal 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

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

Yes, STCU 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 STCU perform a hard credit pull?

Yes, STCU 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 STCU Personal Loans legit?

STCU was founded in 1934, it is a well-established company that has been in business for 92 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

1620 N Signal Dr
Liberty Lake, WA 99019
(509) 326-1954
Visit Site
Email Support

Hours of Operation

Sunday
Closed
Monday
7:30AM - 5:30PM
Tuesday
7:30AM - 5:30PM
Wednesday
7:30AM - 5:30PM
Thursday
7:30AM - 5:30PM
Friday
7:30AM - 6:00PM
Saturday
Closed

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SuperMoney Net Recommendation Score

This product has no reviews yet. Help others by sharing your thoughts.

0

-1000+100
No one recommends
Everyone recommends
The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.

STCU Personal Loans Community Reviews

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