Is Texasgulf FCU Personal Loans the right fit for you?
Last Updated: 04/18/2025
Texasgulf FCU Personal Loans
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Last Updated: 04/18/2025
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Highlights
APR (Fixed APR)
Starting at 8.95%(Verified 06/21/2024)
Amount Range
N/A
Loan Term (Months)
N/A
Texasgulf FCU Personal Loans Review
Texasgulf FCU Personal Loans is offered by Texasgulf Federal Credit Union, a credit union founded in 1937 and based in Wharton, TX. Texasgulf FCU Personal Loans are available in 50 states and Washington, DC.
Key Takeaways
- APRs starting at 8.95%. Personal loan interest rates typically range between 9% and 36%. The starting rates for Texasgulf FCU Personal Loans are on the lower end of the spectrum.
- Cosigner and coborrower applications accepted. A cosigner or coborrower can help you qualify for better rates and terms when applying for Texasgulf FCU Personal Loans.
Texasgulf FCU Personal Loans Pros & Cons
| Pros | Cons |
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Texasgulf FCU Personal Loans FAQ
What interest rates and personal loan terms does Texasgulf FCU Personal Loans offer?
What interest rates does Texasgulf FCU Personal Loans offer?
Texasgulf FCU Personal Loans offers a fixed APR personal loan product that starts at 8.95% APR.
| Personal Loan Amount | N/A |
| Loan Term | N/A |
| APR | Starting at 8.95% |
What fees does Texasgulf FCU Personal Loans charge?
Does Texasgulf FCU Personal Loans charge an origination fee?
Texasgulf FCU Personal Loans may charge a personal loan origination fee .
Does Texasgulf FCU Personal Loans charge a late fee?
Yes, Texasgulf FCU Personal Loans may charge a late payment fee if you miss one of the regularly scheduled payments of up to $15.00.
Does Texasgulf FCU Personal Loans charge prepayment fees?
No, Texasgulf FCU 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.
| Origination Fee | No |
| Prepayment Fee | N/A |
| Late Payment Fee | $15.00 |
What do you need to qualify for Texasgulf FCU Personal Loans?
Texasgulf FCU 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. Texasgulf FCU Personal Loans does not have or does not disclose a minimum annual income eligibility requirement. Note that borrowers can add a cosigner or a co-borrower to either meet eligibility requirements or qualify for lower interest rates.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Texasgulf FCU Personal 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 |
| Application Types Accepted |
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| Credit Score | N/A |
Does Texasgulf FCU Personal Loans report your account activity to credit bureaus?
Yes, Texasgulf FCU 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 Texasgulf Federal Credit Union perform a hard credit pull?
Yes, Texasgulf FCU 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 Texasgulf FCU Personal Loans legit?
Texasgulf Federal Credit Union was founded in 1937, it is a well-established company that has been in business for 89 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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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.
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Hours of Operation
SundayClosedMonday8:30AM - 4:30PMTuesday8:30AM - 4:30PMWednesday8:30AM - 4:30PMThursday8:30AM - 4:30PMFriday8:30AM - 4:30PMSaturdayClosed
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