Last Updated: 04/18/2025
White Sands FCU Signature Loan
Unaffiliated
Last Updated: 04/18/2025
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Highlights
APR (Fixed APR)
Starting at 10.59%(Verified 07/12/2024)
Amount Range
N/A
Loan Term (Months)
Up to 60
White Sands FCU Signature Loan Review
White Sands FCU Signature Loan is offered by White Sands Federal Credit Union, a credit union founded in 1952 and based in Las Cruces, NM. White Sands FCU Signature Loan are available in 50 states, 5 US territories, and Washington, DC.
Key Takeaways
- APRs starting at 10.59%. Personal loan interest rates typically range between 9% and 36%. The starting rates for White Sands FCU Signature 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 White Sands FCU Signature Loan.
White Sands FCU Signature Loan Pros & Cons
| Pros | Cons |
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White Sands FCU Signature Loan FAQ
What interest rates and personal loan terms does White Sands FCU Signature Loan offer?
White Sands FCU Signature Loan has higher than average interest rates for lenders reviewed on SuperMoney.
What interest rates does White Sands FCU Signature Loan offer?
White Sands FCU Signature Loan offers a fixed APR personal loan product that starts at 10.59% APR.
What is the maximum loan term you can get with White Sands FCU Signature Loan?
White Sands FCU Signature Loan offers loans with terms of up to 60 months.
| Personal Loan Amount | N/A |
| Loan Term | up to 60 months |
| APR | Starting at 10.59% |
What fees does White Sands FCU Signature Loan charge?
Does White Sands FCU Signature Loan charge an origination fee?
White Sands FCU Signature Loan may charge a personal loan origination fee .
Does White Sands FCU Signature Loan charge a late fee?
White Sands FCU Signature Loan does not disclose whether it charges late payment fees.
Does White Sands FCU Signature Loan charge prepayment fees?
No, White Sands FCU Signature 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 | No |
What do you need to qualify for White Sands FCU Signature Loan?
White Sands FCU Signature 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. White Sands FCU Signature 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 White Sands FCU Signature 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 |
|
| Credit Score | N/A |
Does White Sands FCU Signature Loan report your account activity to credit bureaus?
Yes, White Sands FCU Signature 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 White Sands Federal Credit Union perform a hard credit pull?
Yes, White Sands FCU Signature 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 White Sands FCU Signature Loan legit?
White Sands Federal Credit Union was founded in 1952, it is a well-established company that has been in business for 74 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.
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
Other Services by White Sands Federal Credit Union
Other Personal Loans from White Sands Federal Credit Union
Rating not yet determined
APR
Starting at 8.50%
Disclaimer popup with additional information
Amount Range
N/A
Loan Term (Months)
Up to 120
Rating not yet determined
APR
Starting at 2.15%
Disclaimer popup with additional information
Amount Range
N/A
Loan Term (Months)
N/A
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Learn MoreSuperMoney Net Recommendation Score
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