Vibrant Credit Union Personal Loans
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| APR (Variable APR) |
Starting at 14.750% (Verified 08/04/2023) |
| Loan Amount | N/A |
| Loan Term (Months) | N/A |
Vibrant Credit Union Personal Loans Review
Vibrant Credit Union Personal Loans is offered by vibrant credit union, a credit union founded in 1935 and based in Moline, IL. vibrant credit union 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 5% and 36%. The starting rates for Vibrant Credit Union Personal Loans are on the higher end of the market.
- Charges a prepayment fee. This is rare for personal loans. It means you will have to pay a fee if you pay off your Vibrant Credit Union Personal Loans early.
- No origination fee. Vibrant Credit Union Personal Loans does not charge a loan origination fee.
vibrant credit union Pros & Cons
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vibrant credit union FAQ
What interest rates and personal loan terms does vibrant credit union offer?
vibrant credit union has higher than average interest rates for lenders reviewed on SuperMoney.
What interest rates does vibrant credit union offer?
vibrant credit union offers a variable APR personal loan product that starts at 14.750% APR.
| Personal Loan Amount | N/A |
| Loan Term | N/A |
| APR | Starting at 14.750% |
What fees does vibrant credit union charge?
Does vibrant credit union charge an origination fee?
vibrant credit union does not charge a personal loan origination fee.
A personal loan origination fee is what some lenders charge for processing, underwriting, and funding a personal loan. Typically origination fees range from 0.5% to 5% of the personal loan amount. Whenever possible, go with lenders that don’t charge origination fees.
Does vibrant credit union charge a late fee?
No, vibrant credit union will not charge you a late fee if you miss one of the monthly payments.
Does vibrant credit union charge prepayment fees?
No, vibrant credit union 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 Vibrant Credit Union Personal Loans?
Vibrant 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.Vibrant Credit Union Personal Loans does not have or does not disclose a minimum annual income eligibility requirement. Vibrant 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 Vibrant 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 Vibrant 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
| Minimum Age | 18 |
| Bank Account Required? | No |
| Application Types Accepted |
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| Credit Score | N/A |
Are Vibrant Credit Union Personal Loans legit?
Vibrant Credit Union was founded in 1935, it is a well-established company that has been in business for 88 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.
Contact
- Headquarters
-
6600 44th Ave
Moline, IL 61265 - (800) 323-5109
- Visit Site
- Email Support
Other Services by Vibrant Credit Union
Availability
- 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
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