Last Updated: 04/18/2025
Texas Bay Credit Union Personal Loan
Unaffiliated
in Personal Loans from Texas Bay Credit Union
Last Updated: 04/18/2025
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Highlights
APR (Variable APR)
9.04% - 18.00%(Verified 06/21/2024)
Amount Range
N/A
Loan Term (Months)
6 - 72
Texas Bay Credit Union Personal Loan Review
Texas Bay Credit Union Personal Loan is offered by Texas Bay Credit Union, a credit union founded in 1936 and based in Houston, TX. Texas Bay Credit Union Personal Loan 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.
- Short loan terms. Texas Bay Credit Union Personal Loan have loan terms as short as 6 months.
- Super long loan terms. Texas Bay Credit Union Personal Loan offers loan terms of up to 72 months. Most personal loans have a maximum term of 60 months.
Texas Bay Credit Union Personal Loan Pros & Cons
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Texas Bay Credit Union Personal Loan FAQ
What interest rates and personal loan terms does Texas Bay Credit Union Personal Loan offer?
What interest rates does Texas Bay Credit Union Personal Loan offer?
Texas Bay Credit Union Personal Loan offers a variable APR personal loan product that ranges from 9.04% APR up to 18.00% APR.
What is the maximum loan term you can get with Texas Bay Credit Union Personal Loan?
Texas Bay Credit Union Personal Loan offers loans with terms of up to 72 months.
| Personal Loan Amount | N/A |
| Loan Term | 6 - 72 months |
| APR | 9.04% - 18.00% |
What fees does Texas Bay Credit Union Personal Loan charge?
Does Texas Bay Credit Union Personal Loan charge an origination fee?
Texas Bay Credit Union Personal Loan may charge a personal loan origination fee .
Does Texas Bay Credit Union Personal Loan charge a late fee?
Texas Bay Credit Union Personal Loan does not disclose whether it charges late payment fees.
Does Texas Bay Credit Union Personal Loan charge prepayment fees?
No, Texas Bay Credit Union Personal Loan 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 | No |
| Late Payment Fee | No |
What do you need to qualify for Texas Bay Credit Union Personal Loan?
Texas Bay Credit Union Personal Loan 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. Texas Bay Credit Union Personal Loan 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 Texas Bay Credit Union Personal Loan.
To qualify, applicants may need to provide the following documentation:
- Proof of income
- 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 Texas Bay Credit Union Personal Loan report your account activity to credit bureaus?
Yes, Texas Bay Credit Union Personal Loan 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 Texas Bay Credit Union perform a hard credit pull?
Yes, Texas Bay Credit Union Personal Loan 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 Texas Bay Credit Union Personal Loan legit?
Texas Bay Credit Union was founded in 1936, it is a well-established company that has been in business for 90 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
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 - 12:00PM