SuperMoney
Explore
Compare Rates

Get Competing Personal Loan Offers

Compare real offers from multiple lenders.

Get Personalized Rates
x I’m not looking for offers right now
Advertiser Disclosure
  Ventura County Personal Loans
Ventura County Personal Loans
in Personal Loans from Ventura County Credit Union
Unaffiliated

Ventura County Personal Loans

Unaffiliated
in Personal Loans from Ventura County Credit Union
Not enough votes for recommendation

Not enough votes for recommendation

Cast your vote

Would you recommend Ventura County Personal Loans to your friends?

Thanks for your vote!

You voted: May or may not recommend

Change my vote
Highlights
APR  (Variable APR) Starting at 7%
(Verified 08/21/2023)
Loan Amount Starting at $500
Loan Term (Months) Starting at 60 months

Ventura County Personal Loans Review

Ventura County Personal Loans is offered by Ventura County Credit Union, a credit union founded in 1950 and based in Ventura, CA. Ventura County 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.

Ventura County 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

Ventura County Personal Loans FAQ

What interest rates and personal loan terms does Ventura County Personal Loans offer?

Ventura County Personal Loans has lower than average interest rates for lenders reviewed on SuperMoney.

What interest rates does Ventura County Personal Loans offer?

Ventura County Personal Loans offers a variable APR personal loan product that starts at 7% APR.

How much can you borrow via Ventura County Personal Loans?

Personal loan amounts start at $500.

Ventura County Personal Loans Interest Rates & Loan Terms
Personal Loan Amount Starting at $500
Loan Term Starting at 60 months
APR Starting at 7%

What fees does Ventura County Personal Loans charge?

Does Ventura County Personal Loans charge an origination fee?

Ventura County Personal Loans may charge a personal loan origination fee.

Does Ventura County Personal Loans charge a late fee?

No, Ventura County Personal Loans will not charge you a late fee if you miss one of the monthly payments.

Does Ventura County Personal Loans charge prepayment fees?

Yes, Ventura County 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.

Ventura County Personal Loans Fees
Origination Fee No
Prepayment Fee Yes
Late Payment Fee No

What do you need to qualify for Ventura County Personal Loans?

Ventura County 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.

Ventura County Personal Loans does not have or does not disclose a minimum annual income eligibility requirement. Ventura County 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 Ventura County 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 Ventura County Personal Loans.

Ventura County Personal Loans Eligibility Criteria
Minimum Age 18
Bank Account Required? No
Application Types Accepted
  • Individual Applications
Credit Score N/A

Does Ventura County Personal Loans report your account activity to credit bureaus?

Yes, Ventura County 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 Ventura County Personal Loans legit?

Ventura County Credit Union was founded in 1950, it is a well-established company that has been in business for 73 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

Hours of Operation

  • Sunday Closed
  • Monday 8:00am - 5:00pm
  • Tuesday 8:00am - 5:00pm
  • Wednesday 8:00am - 5:00pm
  • Thursday 8:00am - 6:00pm
  • Friday 8:00am - 6:00pm
  • Saturday 9:00am - 2:00pm

Other Services by Ventura County Credit Union

Icon for Credit Card

Credit Cards

3 Products

Be the first to rate

Ventura County Platinum Rewards Mastercard

Ventura County Platinum Mastercard

Ventura County Secured Mastercard

Icon for Loans

Auto Loans

Be the first to rate
Icon for Banking

CD Accounts

Be the first to rate

Checking Accounts

Be the first to rate

Money Market Accounts

Be the first to rate

Savings Accounts

Be the first to rate
Icon for Mortgage

Home Equity Loans

Be the first to rate

Home Mortgage Loans

Be the first to rate

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Joint Loan Applications Accepted
  • Individual Applications
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
  • Cash
  • 1099 Misc. Income
  • Tax Returns
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Payment Options
  • Member Dashboard
  • Over the Phone
  • Automatic Payments
  • Check by mail
  • Storefront
  • Credit/Debit Card
APR Type Variable APR
Loan Amount Starting at $500
APR (Variable APR) Starting at 7%
(Verified 08/21/2023)
Loan Term Starting at 60 months

Be the first to rate

 

Would you recommend Ventura County Personal Loans to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
(will require moderator approval)

Other Personal Loans

Mostly recommended

42 Reviews

Mostly recommended

33 Reviews

Strongly recommended

312 Reviews

View All
Browse Personal Loan Lenders
SuperMoney
Best Picks
Partner with us
Go to homepage
AICPA SOC for Service Organizations badge SOC 2 Type II Monitored by Vanta badge

Copyright 2023 SuperMoney, LLC. All rights reserved.

SuperMoney Advertiser Disclosure

*SuperMoney is not responsible for third party products, services, sites, recommendations, endorsements, reviews, etc. All products, logos, and company names are trademarks™ or registered® trademarks of their respective holders. Their use does not signify or suggest the endorsement, affiliation, or sponsorship, of or by SuperMoney or them of us.

Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any financial institution. This editorial content is not provided by any financial institution.

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. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). SuperMoney strives to provide a wide array of offers for our users, but our offers do not represent all financial services companies or products.

We endeavor to ensure that the information on this site is current and accurate but you should confirm any information with the product or service provider and read the information they can provide.

† To check the rates and terms you qualify for, one or more soft credit pulls will be done by SuperMoney, and/or SuperMoney's lending partners, that will not affect your credit score. However, if you choose a product and continue your application at a lending partners' website, they will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.