
Visions Federal Credit Union Personal Loans
in Personal Loans from Visions Federal Credit Union
UnaffiliatedVisions Federal Credit Union Personal Loans
in Personal Loans from Visions Federal Credit Union
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APR (Variable APR) | Starting at 6.49% |
Loan Amount | $500 - $40,000 |
Loan Term (Months) | 60 - 180 months |
Visions Federal Credit Union Personal Loans Review
Visions Federal Credit Union Personal Loans is offered by Visions Federal Credit Union, a credit union founded in 1966 and based in Endicott, NY. Visions Federal Credit Union Personal Loans is available in 3 states across the USA.
- Prequalifed 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 Federal Credit Union 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 Federal Credit Union Personal Loans.
- Super long loan terms. Visions Federal Credit Union Personal Loans offers loan terms of up to 180 months. Most personal loans have a maximum term of 60 months.
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What rates and terms does Visions Federal Credit Union Personal Loans offer?
Visions Federal Credit Union Personal Loans has lower interest rates than the average for lenders reviewed on SuperMoney.
What APR rate does Visions Federal Credit Union Personal Loans offer?
Visions Federal Credit Union Personal Loans offers a personal loan product that starts at 6.49% APR.
Your APR can vary depending on several factors, such as your credit score. Find out what your credit score is and whether there is any false or inaccurate information in your credit history with these credit monitoring tools.
How much can you borrow via Visions Federal Credit Union Personal Loans?
Loan amounts start at $500 and go up to $40,000
What can a personal loan from Visions Federal Credit Union Personal Loans be used for?
Personal loans from Visions Federal Credit Union Personal Loans are typically used for special purchases or similar purposes.
What is the maximum loan term you can get with Visions Federal Credit Union Personal Loans?
Visions Federal Credit Union Personal Loans offers personal loans with terms ranging from 60 to 180 months. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your loan, the more interest you will pay.
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 loan origination fee.
Does Visions Federal Credit Union Personal Loans charge a late fee?
Yes, Visions Federal Credit Union Personal Loans may charge borrowers a late payment fee.
Does Visions Federal Credit Union Personal Loans charge prepayment fees?
Yes, Visions Federal Credit Union 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 loan early.
Origination Fee | N/A |
Prepayment Fee? | Yes |
Late Payment Fee | N/A |
What do you need to qualify for Visions Federal Credit Union Personal Loans?
Applicants with a credit score of at least 590 and up to 840 may be eligible for Visions Federal Credit Union Personal Loans. The minimum age to be eligible is 14 or the state minimum, whichever is higher.Visions Federal Credit Union Personal Loans does not have or does not disclose a minimum annual income eligibility requirement. Visions Federal Credit Union 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 Federal Credit Union Personal Loans. Their rates fall within the limits of The Military Lending Act.
U.S. citizens are, of course, eligible for the services offered by Visions Federal Credit Union Personal Loans. Permanent resident / green card holders are also eligible to apply.
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 |
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Credit Score | 590 - 840 |
Does Visions Federal Credit Union Personal Loans report your account activity to credit bureaus?
Yes, Visions Federal Credit Union 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.
Contact
- Headquarters
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24 McKinley Avenue
Endicott, NY 13760 - Visit Site
Other Services by Visions Federal Credit Union
Availability
- New Jersey
- New York
- Pennsylvania
Feature Breakdown
Cosigner Optional | |
Employment Statuses Considered |
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Immigration Status Considered |
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Joint Loan Applications Accepted |
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Military Status |
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Minimum Age | 14 |
Supported Income Types |
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Verification Documents Required |
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Credit Score Range | 590 - 840 |
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Would you recommend Visions Federal Credit Union Personal Loans to your friends?
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