Last Updated: 04/18/2025
USAlliance Financial Savings Secured Loans
Unaffiliated
Last Updated: 04/18/2025
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Highlights
APR (Variable APR)
Starting at 10.24%(Verified 06/21/2024)
Amount Range
N/A
Loan Term (Months)
N/A
USAlliance Financial Savings Secured Loans Review
USAlliance Financial Savings Secured Loans is offered by USAlliance Federal Credit Union, a credit union founded in 1966 and based in Rye, NY. USAlliance Financial Savings Secured 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 Savings Secured Loans are on the higher end of the market.
USAlliance Financial Savings Secured Loans Pros & Cons
| Pros | Cons |
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USAlliance Financial Savings Secured Loans FAQ
What interest rates and personal loan terms does USAlliance Financial Savings Secured Loans offer?
USAlliance Financial Savings Secured Loans has higher than average interest rates for lenders reviewed on SuperMoney.
What interest rates does USAlliance Financial Savings Secured Loans offer?
USAlliance Financial Savings Secured Loans offers a variable APR personal loan product that starts at 10.24% APR.
| Personal Loan Amount | N/A |
| Loan Term | N/A |
| APR | Starting at 10.24% |
What fees does USAlliance Financial Savings Secured Loans charge?
Does USAlliance Financial Savings Secured Loans charge an origination fee?
USAlliance Financial Savings Secured Loans may charge a personal loan origination fee .
Does USAlliance Financial Savings Secured Loans charge a late fee?
USAlliance Financial Savings Secured Loans does not disclose whether it charges late payment fees.
Does USAlliance Financial Savings Secured Loans charge prepayment fees?
No, USAlliance Financial Savings Secured 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 Savings Secured Loans?
USAlliance Financial Savings Secured Loans does not require or does not disclose a credit score minimum. USAlliance Financial Savings Secured 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 USAlliance Financial Savings Secured 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 USAlliance Financial Savings Secured Loans report your account activity to credit bureaus?
Yes, USAlliance Financial Savings Secured 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 Savings Secured 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 Savings Secured 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.
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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.
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