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  Texans Credit Union Personal Loans
Texans Credit Union Personal Loans
in Personal Loans from Texans Credit Union
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Texans Credit Union Personal Loans

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in Personal Loans from Texans Credit Union
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Highlights
APR  (Variable APR) 8.74% - 10.74%
(Verified 08/04/2023)
Loan Amount Up to $25,000
Loan Term (Months) Up to 60 months

Texans Credit Union Personal Loans Review

Texans Credit Union Personal Loans is offered by texans credit union, a credit union founded in 1953 and based in Richardson, TX. texans credit union personal loans are available in 1 state across the USA.

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.
  • Charges a prepayment fee. This is rare for personal loans. It means you will have to pay a fee if you pay off your Texans Credit Union Personal Loans early.

texans credit union personal loans Pros & Cons

Pros Cons
  • Charges an origination fee.
  • Does not offer pre-approval with soft credit pull.
  • Charges prepayment fees.
  • Charges a late fee

texans credit union personal loans FAQ

What interest rates and personal loan terms does texans credit union personal loans offer?

What interest rates does texans credit union personal loans offer?

texans credit union personal loans offers a variable APR personal loan product that ranges from 8.74% APR up to 10.74% APR.

What is the maximum loan term you can get with texans credit union personal loans?

texans credit union personal loans offers loans with terms of up to 60 months.

texans credit union personal loans Interest Rates & Loan Terms
Personal Loan Amount up to $25000
Loan Term up to 60 months
APR 8.74% - 10.74%

What fees does texans credit union personal loans charge?

Does texans credit union personal loans charge an origination fee?

texans credit union personal loans may charge a personal loan origination fee.

Does texans credit union personal loans charge a late fee?

No, texans credit union personal loans will not charge you a late fee if you miss one of the monthly payments.

Does texans credit union personal loans charge prepayment fees?

No, texans 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.

texans credit union personal loans Fees
Origination Fee No
Prepayment Fee N/A
Late Payment Fee No

What do you need to qualify for Texans Credit Union Personal Loans?

Texans Credit Union Personal Loans does not require or does not disclose a credit score minimum.

Texans Credit Union Personal Loans does not have or does not disclose a minimum annual income eligibility requirement. Texans Credit Union Personal Loans only considers borrowers who are employed.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. Active duty service members and their covered dependents are eligible to apply for a loan via Texans Credit Union Personal Loans. Their rates fall within the limits of The Military Lending Act.

U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Texans Credit Union Personal Loans.

To qualify, applicants may need to provide the following documentation:

  • Driver's license
  • Proof of identity
  • Proof of citizenship or residence permit
texans credit union personal loans Eligibility Criteria
Minimum Age N/A
Bank Account Required? No
Application Types Accepted
  • Individual Applications
Credit Score N/A

Does Texans Credit Union Personal Loans report your account activity to credit bureaus?

Yes, Texans Credit Union Personal Loans reports your account activity to the following credit reporting agencies:

  • 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 improve your credit.

Are Texans Credit Union Personal Loans legit?

Texans Credit Union was founded in 1953, it is a well-established company that has been in business for 70 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

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 9:00am - 5:00pm

Other Services by Texans Credit Union

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Credit Cards

2 Products

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Texans Cash Rewards Card

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Auto Loans

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Private Student Loans

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Icon for Banking

CD Accounts

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Checking Accounts

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Money Market Accounts

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Savings Accounts

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Availability

  Available in 1 state
Texas
Availabile in all of Texas

Feature Breakdown

Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Joint Loan Applications Accepted
  • Individual Applications
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
  • Tax Returns
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
  • Proof of Identity
  • Social Security Number
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Payment Options
  • Over the Phone
  • Automatic Payments
  • Check by mail
  • Credit/Debit Card
  • Bank Transfer
APR Type Variable APR
Loan Amount Up to $25,000
APR (Variable APR) 8.74% - 10.74%
(Verified 08/04/2023)
Loan Term Up to 60 months

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