
Visions FCU Personal Loans
Explore a similar product
Try this top product in Personal Loans.
Community Rating |
Rating not yet determined |
APR (Variable APR) | Starting at 6.49% |
Loan Amount | $500 - $40,000 |
Loan Term (Months) | 60 - 180 months |
Visions FCU Personal Loans Review
Visions FCU Personal Loans is offered by Visions Federal Credit Union, a credit union founded in 1966 and based in Endicott, NY. Visions FCU Personal Loans are available in 3 states across the USA.
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 Visions FCU Personal Loans are on the lower end of the spectrum.
- Prequalified rate. You can check your prequalified rate at Visions Federal Credit Union with a soft pull that will not affect your credit score.
- Charges a prepayment fee. This is rare for personal loans. It means you will have to pay a fee if you pay off your Visions FCU Personal Loans early.
- Cosigner and coborrower applications accepted. A cosigner or coborrower can help you qualify for better rates and terms when applying for Visions FCU Personal Loans.
- Super long loan terms. Visions FCU Personal Loans offers loan terms of up to 180 months. Most personal loans have a maximum term of 60 months.
Visions Federal Credit Union personal loans Pros & Cons
Pros | Cons |
---|---|
|
|
Visions Federal Credit Union personal loans FAQ
What interest rates and personal loan terms does Visions Federal Credit Union personal loans offer?
Visions Federal Credit Union personal loans has lower than average interest rates for lenders reviewed on SuperMoney.
What interest rates does Visions Federal Credit Union personal loans offer?
Visions Federal Credit Union personal loans offers a variable APR personal loan product that starts at 6.49% APR.
How much can you borrow via Visions Federal Credit Union personal loans?
Personal loan amounts start at $500 and go up to $40,000.
What is the maximum loan term you can get with Visions Federal Credit Union personal loans?
Visions Federal Credit Union personal loans offers loans with terms of up to 180 months.
Personal Loan Amount | $500 - $40000 |
Loan Term | 60 - 180 months |
APR | Starting at 6.49% |
What fees does Visions Federal Credit Union personal loans charge?
Does Visions Federal Credit Union personal loans charge an origination fee?
Visions Federal Credit Union personal loans may charge a personal loan origination fee.
Does Visions Federal Credit Union personal loans charge a late fee?
No, Visions Federal Credit Union personal loans will not charge you a late fee if you miss one of the monthly payments.
Does Visions Federal Credit Union personal loans charge prepayment fees?
No, Visions Federal 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 Visions FCU Personal Loans?
Applicants with a credit score of at least 590 and up to 840 may be eligible for Visions FCU Personal Loans. The minimum age to be eligible is 14 or the state minimum, whichever is higher.Visions FCU Personal Loans does not have or does not disclose a minimum annual income eligibility requirement. Visions FCU Personal Loans will consider borrowers regardless of their employment status if they can prove their ability to repay their obligations. Note that borrowers can add a cosigner or a co-borrower to either meet eligibility requirements or qualify for lower interest rates.
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 Visions FCU 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 Visions FCU Personal Loans.
To qualify, applicants may need to provide the following documentation:
- Government issued photo ID
- Proof of identity
- Proof of residence
Minimum Age | 14 |
Bank Account Required? | No |
Application Types Accepted |
|
Credit Score | 590 - 840 |
Does Visions FCU Personal Loans report your account activity to credit bureaus?
Yes, Visions FCU 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.
Is Visions Federal Credit Union a legit company?
Visions Federal Credit Union was founded in 1966, it is a well-established company with approximately 600 employees that has been in business for 57 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.
Contact
- Headquarters
-
24 McKinley Avenue
Endicott, NY 13760 USA - Visit Site
- Email Support
Other Services by Visions Federal Credit Union
Availability
- New Jersey
- New York
- Pennsylvania
Feature Breakdown
Cosigner Optional | |
Employment Statuses Considered |
|
Immigration Status Considered |
|
Joint Loan Applications Accepted |
|
Military Status |
|
Minimum Age | 14 |
Supported Income Types |
|
Verification Documents Required |
|
Credit Score Range | 590 - 840 |
Visions FCU Personal Loans Community Reviews
Would you recommend Visions FCU Personal Loans to your friends?
- Align Income Share Funding
- American Web Loan Personal Loans
- CNB Personal Loan
- Capital Bank Personal Loans
- Figure Personal Loans
- First Security Bank of Bozeman Personal Loan
- Members First Credit Union of Florida Personal Loans
- Red Arrow Loans
- Seedfi Loans
- US Bank Personal Loans
- Universal Credit Personal Loans
- Xact Loan