Last Updated: 04/18/2025
USAlliance Financial Personal Loans
Unaffiliated
Last Updated: 04/18/2025
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Highlights
APR (Variable APR)
Starting at 11.99%(Verified 06/21/2024)
Amount Range
N/A
Loan Term (Months)
Up to 84
USAlliance Financial Personal Loans Review
USAlliance Financial Personal Loans is offered by USAlliance Federal Credit Union, a credit union founded in 1966 and based in Rye, NY. USAlliance Financial 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. Personal loan interest rates typically range between 9% and 36%. The starting rates for USAlliance Financial Personal Loans are on the higher end of the market.
- Cosigner and coborrower applications accepted. A cosigner or coborrower can help you qualify for better rates and terms when applying for USAlliance Financial Personal Loans.
- Super long loan terms. USAlliance Financial Personal Loans offers loan terms of up to 84 months. Most personal loans have a maximum term of 60 months.
USAlliance Financial Personal Loans Pros & Cons
| Pros | Cons |
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USAlliance Financial Personal Loans FAQ
What interest rates and personal loan terms does USAlliance Financial Personal Loans offer?
USAlliance Financial Personal Loans has higher than average interest rates for lenders reviewed on SuperMoney.
What interest rates does USAlliance Financial Personal Loans offer?
USAlliance Financial Personal Loans offers a variable APR personal loan product that starts at 11.99% APR.
What is the maximum loan term you can get with USAlliance Financial Personal Loans?
USAlliance Financial Personal Loans offers loans with terms of up to 84 months.
| Personal Loan Amount | N/A |
| Loan Term | up to 84 months |
| APR | Starting at 11.99% |
What fees does USAlliance Financial Personal Loans charge?
Does USAlliance Financial Personal Loans charge an origination fee?
USAlliance Financial Personal Loans may charge a personal loan origination fee .
Does USAlliance Financial Personal Loans charge a late fee?
USAlliance Financial Personal Loans does not disclose whether it charges late payment fees.
Does USAlliance Financial Personal Loans charge prepayment fees?
No, USAlliance Financial 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 USAlliance Financial Personal Loans?
USAlliance Financial Personal Loans does not require or does not disclose a credit score minimum. USAlliance Financial 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 USAlliance Financial 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 |
| Application Types Accepted |
|
| Credit Score | N/A |
Does USAlliance Financial Personal Loans report your account activity to credit bureaus?
Yes, USAlliance Financial 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 USAlliance Federal Credit Union perform a hard credit pull?
Yes, USAlliance Financial 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 USAlliance Financial Personal Loans legit?
USAlliance Federal Credit Union was founded in 1966, it is a well-established company that has been in business for 60 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.
Contact
Headquarters
Hours of Operation
Sunday
Closed
Monday
8:45AM - 4:30PM
Tuesday
8:45AM - 4:30PM
Wednesday
8:45AM - 4:30PM
Thursday
8:45AM - 4:30PM
Friday
8:45AM - 4:30PM
Saturday
9:00AM - 2:00PM
Other Services by USAlliance Federal Credit Union
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Amount Range
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Loan Term (Months)
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Learn MoreSuperMoney Net Recommendation Score
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