Last Updated: 04/18/2025
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Highlights
APR (Fixed APR)
0.00%(Verified 06/21/2024)
Amount Range
$2,000 - $25,000
Loan Term (Months)
Up to 84
Workers Credit Union Heat Loan Review
Workers Credit Union Heat Loan is offered by Workers Credit Union, a credit union founded in 1914 and based in Littleton, MA. Workers Credit Union Heat Loan are available in 50 states and Washington, DC.
Key Takeaways
- APRs starting at 0.00%. Personal loan interest rates typically range between 9% and 36%. The starting rates for Workers Credit Union Heat Loan are on the lower 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 Workers Credit Union Heat Loan.
- Super long loan terms. Workers Credit Union Heat Loan offers loan terms of up to 84 months. Most personal loans have a maximum term of 60 months.
Workers Credit Union Heat Loan Pros & Cons
| Pros | Cons |
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Workers Credit Union Heat Loan FAQ
What interest rates and personal loan terms does Workers Credit Union Heat Loan offer?
Workers Credit Union Heat Loan has lower than average interest rates for lenders reviewed on SuperMoney.
What interest rates does Workers Credit Union Heat Loan offer?
Workers Credit Union Heat Loan offers a fixed APR personal loan product of 0.00%.
How much can you borrow via Workers Credit Union Heat Loan?
Personal loan amounts start at $2,000.00 and go up to $25,000.00
What is the maximum loan term you can get with Workers Credit Union Heat Loan?
Workers Credit Union Heat Loan offers loans with terms of up to 84 months.
| Personal Loan Amount | $2000.00 - $25000.00 |
| Loan Term | up to 84 months |
| APR | 0.00% |
What fees does Workers Credit Union Heat Loan charge?
Does Workers Credit Union Heat Loan charge an origination fee?
Workers Credit Union Heat Loan may charge a personal loan origination fee .
Does Workers Credit Union Heat Loan charge a late fee?
Workers Credit Union Heat Loan does not disclose whether it charges late payment fees.
Does Workers Credit Union Heat Loan charge prepayment fees?
No, Workers Credit Union Heat 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 Workers Credit Union Heat Loan?
Workers Credit Union Heat 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. Workers Credit Union Heat 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 Workers Credit Union Heat 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 Workers Credit Union Heat Loan report your account activity to credit bureaus?
Yes, Workers Credit Union Heat 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 Workers Credit Union perform a hard credit pull?
Yes, Workers Credit Union Heat 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 Workers Credit Union Heat Loan legit?
Workers Credit Union was founded in 1914, it is a well-established company that has been in business for 112 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 - 4:00PM
Tuesday
9:00AM - 4:00PM
Wednesday
9:00AM - 4:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
9:00AM - 12:00PM
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Learn MoreSuperMoney Net Recommendation Score
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