Last Updated: 04/18/2025
Transcend Credit Union Personal Loans
Unaffiliated
in Personal Loans from Transcend Credit Union
Last Updated: 04/18/2025
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Highlights
APR (Variable APR)
Starting at 12.90%(Verified 09/25/2024)
Amount Range
N/A
Loan Term (Months)
Up to 60
Transcend Credit Union Personal Loans Review
Transcend Credit Union Personal Loans is offered by Transcend Credit Union, a credit union founded in 1934 and based in Louisville, KY. Transcend Credit Union Personal Loans are available in 50 states, 5 US territories, 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 Transcend Credit Union Personal Loans are on the higher end of the market.
Transcend Credit Union Personal Loans Pros & Cons
| Pros | Cons |
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Transcend Credit Union Personal Loans FAQ
What interest rates and personal loan terms does Transcend Credit Union Personal Loans offer?
Transcend Credit Union Personal Loans has higher than average interest rates for lenders reviewed on SuperMoney.
What interest rates does Transcend Credit Union Personal Loans offer?
Transcend Credit Union Personal Loans offers a variable APR personal loan product that starts at 12.90% APR.
What is the maximum loan term you can get with Transcend Credit Union Personal Loans?
Transcend Credit Union Personal Loans offers loans with terms of up to 60 months.
| Personal Loan Amount | N/A |
| Loan Term | up to 60 months |
| APR | Starting at 12.90% |
What fees does Transcend Credit Union Personal Loans charge?
Does Transcend Credit Union Personal Loans charge an origination fee?
Transcend Credit Union Personal Loans may charge a personal loan origination fee .
Does Transcend Credit Union Personal Loans charge a late fee?
Transcend Credit Union Personal Loans does not disclose whether it charges late payment fees.
Does Transcend Credit Union Personal Loans charge prepayment fees?
No, Transcend 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.
| Origination Fee | No |
| Prepayment Fee | N/A |
| Late Payment Fee | No |
What do you need to qualify for Transcend Credit Union Personal Loans?
Transcend Credit Union Personal Loans does not require or does not disclose a credit score minimum. Transcend Credit Union 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 Transcend Credit Union Personal Loans.
To qualify, applicants may need to provide the following documentation:
- Driver's license or other government photo ID
- Proof of identity
- Proof of citizenship or residence permit
| Minimum Age | N/A |
| Bank Account Required? | No |
| Credit Score | N/A |
Does Transcend Credit Union Personal Loans report your account activity to credit bureaus?
Yes, Transcend Credit Union 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 Transcend Credit Union perform a hard credit pull?
Yes, Transcend Credit Union 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 Transcend Credit Union Personal Loans legit?
Transcend Credit Union 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.
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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.
Hours of Operation
Sunday
Closed
Monday
8:30AM - 4:00PM
Tuesday
8:30AM - 4:00PM
Wednesday
8:30AM - 4:00PM
Thursday
8:30AM - 4:00PM
Friday
8:30AM - 6:00PM
Saturday
9:00AM - 12:00PM