Last Updated: 04/18/2025
Wellspring CU Personal Loans
Unaffiliated
Last Updated: 04/18/2025
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Highlights
APR (Fixed APR)
Starting at 11.75%(Verified 07/08/2024)
Amount Range
N/A
Loan Term (Months)
6 - 60
Wellspring CU Personal Loans Review
Wellspring CU Personal Loans is offered by Wellspring Credit Union, a credit union founded in 1958 and based in Bridge City, TX. Wellspring CU Personal Loans are available in 50 states, 5 US territories, and Washington, DC.
Key Takeaways
- APRs starting at 11.75%. Personal loan interest rates typically range between 9% and 36%. The starting rates for Wellspring CU Personal Loans are on the higher end of the spectrum.
- Short loan terms. Wellspring CU Personal Loans have loan terms as short as 6 months.
Wellspring CU Personal Loans Pros & Cons
| Pros | Cons |
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Wellspring CU Personal Loans FAQ
What interest rates and personal loan terms does Wellspring CU Personal Loans offer?
Wellspring CU Personal Loans has higher than average interest rates for lenders reviewed on SuperMoney.
What interest rates does Wellspring CU Personal Loans offer?
Wellspring CU Personal Loans offers a fixed APR personal loan product that starts at 11.75% APR.
What is the maximum loan term you can get with Wellspring CU Personal Loans?
Wellspring CU Personal Loans offers loans with terms of up to 60 months.
| Personal Loan Amount | N/A |
| Loan Term | 6 - 60 months |
| APR | Starting at 11.75% |
What fees does Wellspring CU Personal Loans charge?
Does Wellspring CU Personal Loans charge an origination fee?
Wellspring CU Personal Loans may charge a personal loan origination fee .
Does Wellspring CU Personal Loans charge a late fee?
Wellspring CU Personal Loans does not disclose whether it charges late payment fees.
Does Wellspring CU Personal Loans charge prepayment fees?
No, Wellspring CU 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 Wellspring CU Personal Loans?
Wellspring CU 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. Wellspring CU 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 Wellspring CU Personal Loans.
To qualify, applicants may need to provide the following documentation:
- Driver's license or other government photo ID
- Government issued photo ID
- Proof of identity
| Minimum Age | 18 |
| Bank Account Required? | No |
| Credit Score | N/A |
Does Wellspring CU Personal Loans report your account activity to credit bureaus?
Yes, Wellspring CU 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 Wellspring Credit Union perform a hard credit pull?
Yes, Wellspring CU 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 Wellspring CU Personal Loans legit?
Wellspring Credit Union was founded in 1958, it is a well-established company that has been in business for 68 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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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.
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed