Last Updated: 04/18/2025
Vermont FCU Holiday Loan
Unaffiliated
Last Updated: 04/18/2025
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Highlights
APR (Variable APR)
9.00%(Verified 06/21/2024)
Amount Range
$250 - $5,000
Loan Term (Months)
Up to 12
Vermont FCU Holiday Loan Review
Vermont FCU Holiday Loan is offered by Vermont Federal Credit Union, a credit union founded in 1953 and based in South Burlington, VT. Vermont FCU Holiday Loan 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.
Vermont FCU Holiday Loan Pros & Cons
| Pros | Cons |
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Vermont FCU Holiday Loan FAQ
What interest rates and personal loan terms does Vermont FCU Holiday Loan offer?
What interest rates does Vermont FCU Holiday Loan offer?
Vermont FCU Holiday Loan offers a variable APR personal loan product of 9.00%.
How much can you borrow via Vermont FCU Holiday Loan?
Personal loan amounts start at $250 and go up to $5,000
What is the maximum loan term you can get with Vermont FCU Holiday Loan?
Vermont FCU Holiday Loan offers loans with terms of up to 12 months.
| Personal Loan Amount | $250 - $5000 |
| Loan Term | up to 12 months |
| APR | 9.00% |
What fees does Vermont FCU Holiday Loan charge?
Does Vermont FCU Holiday Loan charge an origination fee?
Vermont FCU Holiday Loan may charge a personal loan origination fee .
Does Vermont FCU Holiday Loan charge a late fee?
Vermont FCU Holiday Loan does not disclose whether it charges late payment fees.
Does Vermont FCU Holiday Loan charge prepayment fees?
No, Vermont FCU Holiday Loan 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 Vermont FCU Holiday Loan?
Vermont FCU Holiday Loan 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. Vermont FCU Holiday Loan 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 Vermont FCU Holiday Loan.
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 | 18 |
| Bank Account Required? | No |
| Credit Score | N/A |
Does Vermont FCU Holiday Loan report your account activity to credit bureaus?
Yes, Vermont FCU Holiday Loan 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 Vermont Federal Credit Union perform a hard credit pull?
Yes, Vermont FCU Holiday Loan 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 Vermont FCU Holiday Loan legit?
vermont federal credit union was founded in 1953, 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.
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Hours of Operation
Sunday
Closed
Monday
8:30AM - 5:00PM
Tuesday
8:30AM - 5:00PM
Wednesday
8:30AM - 5:00PM
Thursday
8:30AM - 5:00PM
Friday
8:30AM - 5:00PM
Saturday
Closed