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  Visions FCU Personal Loans
Visions FCU Personal Loans
in Personal Loans from Visions Federal Credit Union
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Visions FCU Personal Loans

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in Personal Loans from Visions Federal Credit Union
Net Recommendation Score +100  

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Rating not yet determined  

2 users recommend
0 users are unsure
0 users don't recommend
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Highlights
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 is 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
  • Low APRs available to qualified borrowers.
  • Considers applicants with fair credit.
  • Accepts cosigners and coborrowers.
  • Charges an origination fee.
  • Charges prepayment fees.
  • Charges a late fee.

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?

Business 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.

Visions Federal Credit Union personal loans Interest Rates & Loan Terms
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.

Visions Federal Credit Union personal loans Fees
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 are, of course, eligible for the services offered by Visions FCU 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
Visions Federal Credit Union personal loans Eligibility Criteria
Minimum Age 14
Bank Account Required? No
Application Types Accepted
  • Co-borrowers
  • Cosigners
  • Individual Applications
  • 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 56 years.

    Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.

    SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
    Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

    Contact

    Hours of Operation

    • Sunday Closed
    • Monday 8:30am - 6:00pm
    • Tuesday 8:30am - 6:00pm
    • Wednesday 8:30am - 6:00pm
    • Thursday 8:30am - 6:00pm
    • Friday 8:30am - 6:00pm
    • Saturday 8:30am - 2:00pm

    Other Services by Visions Federal Credit Union

    Availability

      Available in 3 states
    • New Jersey
    • New York
    • Pennsylvania

    Feature Breakdown

    Cosigner Optional
    Employment Statuses Considered
    • Other
    • Employed Full-Time
    • Employed Part-Time
    • Self-Employed
    • Retired
    • Unemployed
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Joint Loan Applications Accepted
    • Co-borrower
    • Cosigner
    • Individual Applications
    Military Status
    • Active Duty Military
    • Non-Military
    • Veterans
    • Military Dependent
    Minimum Age 14
    Supported Income Types
    • Direct Deposit (W2, SSA, SSDI)
    • Cash
    • Payroll Check or Prepaid Card
    • 1099 Misc. Income
    • Tax Returns
    Verification Documents Required
    • Proof of Identity
    • Proof of Residence
    • Government Issued Photo ID
    • Social Security Number
    Credit Score Range 590 - 840
    Credit Bureau Reporting
    • Experian
    • Equifax
    • TransUnion
    Payment Options
    • Automatic Payments
    • Check by mail
    • Storefront
    • Cash
    • Bank Transfer
    Pre-Approved Soft Credit Inquiry
    Loan Amount $500 - $40,000
    APR (Variable APR) Starting at 6.49%
    Loan Term 60 - 180 months

    Visions FCU Personal Loans Community Reviews

     

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    SUPERMONEY NET RECOMMENDATION SCORE

    This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

    +100

    Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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