Is UFirst Credit Union Personal Loan the right fit for you?
Last Updated: 04/18/2025
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Highlights
APR (Fixed APR)
Starting at 12.74%(Verified 06/21/2024)
Amount Range
Up to $15,000
Loan Term (Months)
Up to 60
UFirst Credit Union Personal Loan Review
UFirst Credit Union Personal Loan is offered by UFirst Credit Union, a credit union founded in 1956 and based in Holladay, UT. UFirst Credit Union Personal Loan are available in 50 states and Washington, DC.
Key Takeaways
- APRs starting at 12.74%. Personal loan interest rates typically range between 9% and 36%. The starting rates for UFirst Credit Union Personal Loan are on the higher 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 UFirst Credit Union Personal Loan.
UFirst Credit Union Personal Loan Pros & Cons
| Pros | Cons |
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UFirst Credit Union Personal Loan FAQ
What interest rates and personal loan terms does UFirst Credit Union Personal Loan offer?
UFirst Credit Union Personal Loan has higher than average interest rates for lenders reviewed on SuperMoney.
What interest rates does UFirst Credit Union Personal Loan offer?
UFirst Credit Union Personal Loan offers a fixed APR personal loan product that starts at 12.74% APR.
What is the maximum loan term you can get with UFirst Credit Union Personal Loan?
UFirst Credit Union Personal Loan offers loans with terms of up to 60 months.
| Personal Loan Amount | up to $15000.00 |
| Loan Term | up to 60 months |
| APR | Starting at 12.74% |
What fees does UFirst Credit Union Personal Loan charge?
Does UFirst Credit Union Personal Loan charge an origination fee?
UFirst Credit Union Personal Loan may charge a personal loan origination fee .
Does UFirst Credit Union Personal Loan charge a late fee?
UFirst Credit Union Personal Loan does not disclose whether it charges late payment fees.
Does UFirst Credit Union Personal Loan charge prepayment fees?
No, UFirst 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 | N/A |
| Late Payment Fee | No |
What do you need to qualify for UFirst Credit Union Personal Loan?
UFirst 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. UFirst Credit Union Personal Loan 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 UFirst Credit Union Personal Loan.
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 UFirst Credit Union Personal Loan report your account activity to credit bureaus?
Yes, UFirst 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 UFirst Credit Union perform a hard credit pull?
Yes, UFirst 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 UFirst Credit Union Personal Loan legit?
UFirst Credit Union was founded in 1956, 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.
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Hours of Operation
SundayClosedMonday9:00AM - 5:00PMTuesday9:00AM - 5:00PMWednesday9:00AM - 5:00PMThursday9:00AM - 5:00PMFriday9:00AM - 5:00PMSaturdayClosed
Other Services by UFirst Credit Union
Home Equity Lines of Credit
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Other Personal Loans from UFirst Credit Union
Rating not yet determined
APR
4.07% - 5.28%
Disclaimer popup with additional information
Amount Range
N/A
Loan Term (Months)
Up to 60
Rating not yet determined
APR
28.00%
Disclaimer popup with additional information
Amount Range
$200 - $2,000
Loan Term (Months)
Up to 12
Rating not yet determined
APR
3.05% - 3.10%
Disclaimer popup with additional information
Amount Range
N/A
Loan Term (Months)
N/A
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Learn MoreSuperMoney Net Recommendation Score
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