Vantage Credit Union Personal Loans

Vantage Credit Union Personal Loans Review

Vantage Credit Union Personal Loans is offered by Vantage Credit Union, a credit union founded in 1957 and based in Weldon Spring, MO. Vantage Credit Union 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 $100,000 with Vantage Credit Union Personal Loans.
• Charges a prepayment fee. This is rare for personal loans. It means you will have to pay a fee if you pay off your Vantage Credit Union Personal Loans early.

Vantage Credit Union Personal Loans Pros & Cons

Pros	Cons
	Charges an origination fee. Does not offer pre-approval with soft credit pull. Charges prepayment fees. Charges a late fee

Vantage Credit Union Personal Loans FAQ

What interest rates and personal loan terms does Vantage Credit Union Personal Loans offer?

What fees does Vantage Credit Union Personal Loans charge?

What do you need to qualify for Vantage Credit Union Personal Loans?

Vantage Credit Union 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.

Vantage Credit Union Personal Loans does not have or does not disclose a minimum annual income eligibility requirement. Vantage Credit Union Personal Loans only considers borrowers who are employed.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. Active duty service members and their covered dependents are eligible to apply for a loan via Vantage Credit Union Personal Loans. Their rates fall within the limits of The Military Lending Act.

U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Vantage Credit Union Personal Loans.

To qualify, applicants may need to provide the following documentation:

• Driver's license
• Proof of identity
• Proof of citizenship or residence permit

Vantage Credit Union Personal Loans Eligibility Criteria

Minimum Age	18
Bank Account Required?	No
Application Types Accepted	Individual Applications
Credit Score	N/A

Does Vantage Credit Union Personal Loans report your account activity to credit bureaus?

Yes, Vantage Credit Union Personal Loans reports your account activity to the following credit reporting agencies:

• 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 improve your credit.

Are Vantage Credit Union Personal Loans legit?

Vantage Credit Union was founded in 1957, it is a well-established company that has been in business for 66 years.

Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.