Last Updated: 04/18/2025
United States Senate FCU Personal Loans
Unaffiliated
Last Updated: 04/18/2025
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Highlights
APR (Variable APR)
Starting at 9.49%(Verified 06/21/2024)
Amount Range
$250 - $70,000
Loan Term (Months)
Up to 84
United States Senate FCU Personal Loans Review
United States Senate FCU Personal Loans is offered by United States Senate Federal Credit Union, a credit union founded in 1935 and based in Alexandria, VA. United States Senate 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.
- Large loan amounts. You can apply for loan amounts of up to $70,000 with United States Senate FCU Personal Loans .
- Super long loan terms. United States Senate FCU Personal Loans offers loan terms of up to 84 months. Most personal loans have a maximum term of 60 months.
United States Senate FCU Personal Loans Pros & Cons
| Pros | Cons |
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United States Senate FCU Personal Loans FAQ
What interest rates and personal loan terms does United States Senate FCU Personal Loans offer?
What interest rates does United States Senate FCU Personal Loans offer?
United States Senate FCU Personal Loans offers a variable APR personal loan product that starts at 9.49% APR.
How much can you borrow via United States Senate FCU Personal Loans?
Personal loan amounts start at $250 and go up to $70,000
What is the maximum loan term you can get with United States Senate FCU Personal Loans?
United States Senate FCU Personal Loans offers loans with terms of up to 84 months.
| Personal Loan Amount | $250 - $70000 |
| Loan Term | up to 84 months |
| APR | Starting at 9.49% |
What fees does United States Senate FCU Personal Loans charge?
Does United States Senate FCU Personal Loans charge an origination fee?
United States Senate FCU Personal Loans may charge a personal loan origination fee .
Does United States Senate FCU Personal Loans charge a late fee?
United States Senate FCU Personal Loans does not disclose whether it charges late payment fees.
Does United States Senate FCU Personal Loans charge prepayment fees?
No, United States Senate 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 | No |
What do you need to qualify for United States Senate FCU Personal Loans?
United States Senate FCU Personal Loans does not require or does not disclose a credit score minimum. United States Senate 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 United States Senate FCU Personal Loans.
To qualify, applicants may need to provide the following documentation:
- Proof of income
- 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 United States Senate Federal Credit Union perform a hard credit pull?
Yes, United States Senate 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 United States Senate FCU Personal Loans legit?
United States Senate Federal Credit Union was founded in 1935, it is a well-established company that has been in business for 91 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
8:30AM - 4:00PM
Tuesday
8:30AM - 4:00PM
Wednesday
10:00AM - 4:00PM
Thursday
8:30AM - 4:00PM
Friday
8:30AM - 4:00PM
Saturday
Closed