Last Updated: 04/18/2025
Virginia Credit Union Personal Loans
Unaffiliated
in Personal Loans from Virginia Credit Union
Last Updated: 04/18/2025
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Highlights
APR (Variable APR)
Starting at 7.74%(Verified 06/21/2024)
Amount Range
$100 - $50,000
Loan Term (Months)
3 - 60
Virginia Credit Union Personal Loans Review
Virginia Credit Union Personal Loans is offered by Virginia Credit Union, a credit union founded in 1928 and based in Richmond, VA. Virginia 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 $50,000 with Virginia Credit Union Personal Loans .
- Short loan terms. Virginia Credit Union Personal Loans have loan terms as short as 3 months.
Virginia Credit Union Personal Loans Pros & Cons
| Pros | Cons |
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Virginia Credit Union Personal Loans FAQ
What interest rates and personal loan terms does Virginia Credit Union Personal Loans offer?
Virginia Credit Union Personal Loans has lower than average interest rates for lenders reviewed on SuperMoney.
What interest rates does Virginia Credit Union Personal Loans offer?
Virginia Credit Union Personal Loans offers a variable APR personal loan product that starts at 7.74% APR.
How much can you borrow via Virginia Credit Union Personal Loans?
Personal loan amounts start at $100 and go up to $50,000
What is the maximum loan term you can get with Virginia Credit Union Personal Loans?
Virginia Credit Union Personal Loans offers loans with terms of up to 60 months.
| Personal Loan Amount | $100 - $50000 |
| Loan Term | 3 - 60 months |
| APR | Starting at 7.74% |
What fees does Virginia Credit Union Personal Loans charge?
Does Virginia Credit Union Personal Loans charge an origination fee?
Virginia Credit Union Personal Loans may charge a personal loan origination fee .
Does Virginia Credit Union Personal Loans charge a late fee?
Virginia Credit Union Personal Loans does not disclose whether it charges late payment fees.
Does Virginia Credit Union Personal Loans charge prepayment fees?
No, Virginia Credit Union Personal Loans 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 Virginia Credit Union Personal Loans?
Virginia 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. Virginia Credit Union 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 Virginia Credit Union Personal Loans.
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 Virginia Credit Union Personal Loans report your account activity to credit bureaus?
Yes, Virginia Credit Union 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 Virginia Credit Union perform a hard credit pull?
Yes, Virginia Credit Union 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 Virginia Credit Union Personal Loans legit?
Virginia Credit Union was founded in 1928, it is a well-established company that has been in business for 98 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
8:00AM - 6:00PM
Tuesday
8:00AM - 6:00PM
Wednesday
8:00AM - 6:00PM
Thursday
8:00AM - 6:00PM
Friday
8:00AM - 6:00PM
Saturday
Closed