Last Updated: 04/18/2025
TruGrocer FCU Personal Loans
Unaffiliated
Last Updated: 04/18/2025
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Highlights
APR (Variable APR)
9% - 18%(Verified 06/21/2024)
Amount Range
N/A
Loan Term (Months)
6 - 60
TruGrocer FCU Personal Loans Review
TruGrocer FCU Personal Loans is offered by TruGrocer Federal Credit Union, a credit union founded in 1965 and based in Boise, ID. TruGrocer FCU 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. 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. TruGrocer FCU Personal Loans have loan terms as short as 6 months.
TruGrocer FCU Personal Loans Pros & Cons
| Pros | Cons |
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TruGrocer FCU Personal Loans FAQ
What interest rates and personal loan terms does TruGrocer FCU Personal Loans offer?
What interest rates does TruGrocer FCU Personal Loans offer?
TruGrocer FCU Personal Loans offers a variable APR personal loan product that ranges from 9% APR up to 18% APR.
What is the maximum loan term you can get with TruGrocer FCU Personal Loans?
TruGrocer FCU Personal Loans offers loans with terms of up to 60 months.
| Personal Loan Amount | N/A |
| Loan Term | 6 - 60 months |
| APR | 9% - 18% |
What fees does TruGrocer FCU Personal Loans charge?
Does TruGrocer FCU Personal Loans charge an origination fee?
TruGrocer FCU Personal Loans may charge a personal loan origination fee .
Does TruGrocer FCU Personal Loans charge a late fee?
TruGrocer FCU Personal Loans does not disclose whether it charges late payment fees.
Does TruGrocer FCU Personal Loans charge prepayment fees?
Yes, TruGrocer FCU Personal Loans may charge additional fees to borrowers who pay off their loans sooner than anticipated. Take this into consideration when choosing a lender because prepayment penalties can reduce or even cancel the interest savings of repaying a personal loan early.
| Origination Fee | No |
| Prepayment Fee | Yes |
| Late Payment Fee | No |
What do you need to qualify for TruGrocer FCU Personal Loans?
TruGrocer 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. TruGrocer FCU 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 TruGrocer FCU Personal Loans.
To qualify, applicants may need to provide the following documentation:
- Recent pay stubs
- Driver's license or other government photo ID
- Proof of identity
- Proof of citizenship or residence permit
| Minimum Age | 18 |
| Bank Account Required? | No |
| Credit Score | N/A |
Does TruGrocer FCU Personal Loans report your account activity to credit bureaus?
Yes, TruGrocer FCU Personal Loans reports to the following credit bureau:
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 TruGrocer Federal Credit Union perform a hard credit pull?
Yes, TruGrocer 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 TruGrocer FCU Personal Loans legit?
TruGrocer Federal Credit Union was founded in 1965, it is a well-established company that has been in business for 61 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 - 5:30PM
Tuesday
9:00AM - 5:30PM
Wednesday
9:00AM - 5:30PM
Thursday
9:00AM - 5:30PM
Friday
9:00AM - 5:30PM
Saturday
Closed