Last Updated: 04/18/2025
Vantage Point FCU Personal Loans
Unaffiliated
Last Updated: 04/18/2025
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Highlights
APR (Fixed APR)
Starting at 8.99%(Verified 08/04/2024)
Amount Range
N/A
Loan Term (Months)
Up to 72
Vantage Point FCU Personal Loans Review
Vantage Point FCU Personal Loans is offered by Vantage Point Federal Credit Union, a credit union founded in 1966 and based in Hopewell, VA. Vantage Point FCU Personal Loans are available in 50 states, 5 US territories, and Washington, DC.
Key Takeaways
- APRs starting at 8.99%. Personal loan interest rates typically range between 9% and 36%. The starting rates for Vantage Point FCU Personal Loans are on the lower end of the spectrum.
- Super long loan terms. Vantage Point FCU Personal Loans offers loan terms of up to 72 months. Most personal loans have a maximum term of 60 months.
Vantage Point FCU Personal Loans Pros & Cons
| Pros | Cons |
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Vantage Point FCU Personal Loans FAQ
What interest rates and personal loan terms does Vantage Point FCU Personal Loans offer?
What interest rates does Vantage Point FCU Personal Loans offer?
Vantage Point FCU Personal Loans offers a fixed APR personal loan product that starts at 8.99% APR.
What is the maximum loan term you can get with Vantage Point FCU Personal Loans?
Vantage Point FCU Personal Loans offers loans with terms of up to 72 months.
| Personal Loan Amount | N/A |
| Loan Term | up to 72 months |
| APR | Starting at 8.99% |
What fees does Vantage Point FCU Personal Loans charge?
Does Vantage Point FCU Personal Loans charge an origination fee?
Vantage Point FCU Personal Loans may charge a personal loan origination fee .
Does Vantage Point FCU Personal Loans charge a late fee?
Vantage Point FCU Personal Loans does not disclose whether it charges late payment fees.
Does Vantage Point FCU Personal Loans charge prepayment fees?
Yes, Vantage Point FCU Personal Loans may charge additional fees to borrowers who pay off their loans sooner than anticipated. Take this into consideration when choosing a lender because prepayment penalties can reduce or even cancel the interest savings of repaying a personal loan early.
| Origination Fee | No |
| Prepayment Fee | Yes |
| Late Payment Fee | Starting at $10.00 |
What do you need to qualify for Vantage Point FCU Personal Loans?
Vantage Point FCU 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 Point 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 Vantage Point FCU Personal Loans.
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 |
| Credit Score | N/A |
Does Vantage Point FCU Personal Loans report your account activity to credit bureaus?
Yes, Vantage Point FCU 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 Vantage Point Federal Credit Union perform a hard credit pull?
Yes, Vantage Point 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 Vantage Point FCU Personal Loans legit?
Vantage Point 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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Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed