Is Western New York FCU Holiday Loan the right fit for you?
Last Updated: 04/18/2025
Western New York FCU Holiday Loan
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Last Updated: 04/18/2025
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Highlights
APR (Fixed APR)
Starting at 10.95%(Verified 08/22/2024)
Amount Range
N/A
Loan Term (Months)
12
Western New York FCU Holiday Loan Review
Western New York FCU Holiday Loan is offered by Western New York Federal Credit Union, a credit union founded in 1964 and based in West Seneca, NY. Western New York FCU Holiday Loan are available in 50 states, 5 US territories, and Washington, DC.
Key Takeaways
- APRs starting at 10.95%. Personal loan interest rates typically range between 9% and 36%. The starting rates for Western New York FCU Holiday Loan are on the higher end of the spectrum.
- Cosigner and coborrower applications accepted. A cosigner or coborrower can help you qualify for better rates and terms when applying for Western New York FCU Holiday Loan.
Western New York FCU Holiday Loan Pros & Cons
| Pros | Cons |
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Western New York FCU Holiday Loan FAQ
What interest rates and personal loan terms does Western New York FCU Holiday Loan offer?
Western New York FCU Holiday Loan has higher than average interest rates for lenders reviewed on SuperMoney.
What interest rates does Western New York FCU Holiday Loan offer?
Western New York FCU Holiday Loan offers a fixed APR personal loan product that starts at 10.95% APR.
What is the maximum loan term you can get with Western New York FCU Holiday Loan?
Western New York FCU Holiday Loan offers loans with terms of 12 months.
| Personal Loan Amount | N/A |
| Loan Term | 12 months |
| APR | Starting at 10.95% |
What fees does Western New York FCU Holiday Loan charge?
Does Western New York FCU Holiday Loan charge an origination fee?
Western New York FCU Holiday Loan may charge a personal loan origination fee .
Does Western New York FCU Holiday Loan charge a late fee?
Yes, Western New York FCU Holiday Loan may charge a late payment fee if you miss one of the regularly scheduled payments of up to $10.00.
Does Western New York FCU Holiday Loan charge prepayment fees?
No, Western New York FCU Holiday Loan 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 | $10.00 |
What do you need to qualify for Western New York FCU Holiday Loan?
Western New York FCU Holiday Loan 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. Western New York FCU Holiday Loan does not have or does not disclose a minimum annual income eligibility requirement. Note that borrowers can add a cosigner or a co-borrower to either meet eligibility requirements or qualify for lower interest rates.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Western New York FCU Holiday Loan.
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 |
| Application Types Accepted |
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| Credit Score | N/A |
Does Western New York FCU Holiday Loan report your account activity to credit bureaus?
Yes, Western New York FCU Holiday Loan 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 Western New York Federal Credit Union perform a hard credit pull?
Yes, Western New York FCU Holiday Loan 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 Western New York FCU Holiday Loan legit?
Western New York Federal Credit Union was founded in 1964, it is a well-established company that has been in business for 62 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.
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Hours of Operation
SundayClosedMonday8:30AM - 5:00PMTuesday8:30AM - 5:00PMWednesday8:30AM - 5:00PMThursday8:30AM - 5:00PMFriday8:30AM - 5:00PMSaturday9:00AM - 12:00PM
Other Services by Western New York Federal Credit Union
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APR
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Amount Range
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Loan Term (Months)
Up to 72
Rating not yet determined
APR
Starting at 10.95%
Disclaimer popup with additional information
Amount Range
N/A
Loan Term (Months)
Up to 48
Rating not yet determined
APR
Starting at 10.95%
Disclaimer popup with additional information
Amount Range
N/A
Loan Term (Months)
Up to 48
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Learn MoreSuperMoney Net Recommendation Score
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