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Student Loan Refinancing
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Last Updated: 04/18/2025

E-Central Credit Union Student Loan Refinance

in Student Loan Refinancing from E-Central Credit Union

Last Updated: 04/18/2025

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Get Competing Student Loan Refinancing Offers

Compare student loan refinancing offers from multiple vetted lenders.

Compare student loan refinancing offers from multiple vetted lenders.

Discover your lowest eligible rate in minutes.

Discover your lowest eligible rate in minutes.

See how much you qualify for and what your monthly payment will be.

See how much you qualify for and what your monthly payment will be.

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It's quick, easy, and won't hurt your credit score.

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Highlights

Fixed APR

4.94% - 10.10%

Variable APR

7.99% - 12.34%

Amount Range

Up to $25,000

Loan Term (Years)

5 - 15
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E-Central Credit Union Student Loan Refinance Review

E-Central Credit Union Student Loan Refinance is a student loan refinance offering by E-Central Credit Union . Founded in 1943, E-Central Credit Union offers student loan refinancing in 50 states and Washington, DC.

E-Central Credit Union Student Loan Refinance FAQ

What APRs does E-Central Credit Union Student Loan Refinance offer on its student refinancing loans?

The range of APRs you qualify for when refinancing a student loan vary widely by lender and will depend on your creditworthiness and the type of loan you choose. Loans with fixed rates will typically have higher APRs than loans with a variable rate.
E-Central Credit Union Student Loan Refinance offers variable rate APRs that range from 7.99% to 12.34%.Borrowers who choose a fixed-rate refinancing loan can expect APRs that range from 4.94% to 10.10% APR.
You can choose to buy down your rate by purchasing discount rates. This is similar to paying mortgage points on a home loan. Typically, it only makes sense to pay this fee if you aren't planning to refinance your student loans again in the forseeable future. If you refinance your student loans after just a few years, the cost of the fee will probably outweigh the savings from the lower interest rate.

Does E-Central Credit Union Student Loan Refinance charge an origination fee?

Yes, E-Central Credit Union Student Loan Refinance charges a loan origination fee .
A loan origination fee is what some lenders charge for processing, underwriting, and funding a loan. Typically fees range from 0.5% to 5% of the loan amount. Whenever possible, go with lenders that don’t charge origination fees.

Does E-Central Credit Union Student Loan Refinance charge prepayment fees?

No, E-Central Credit Union Student Loan Refinance does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the loan off early.

What terms does E-Central Credit Union Student Loan Refinance offer?

E-Central Credit Union Student Loan Refinance provides refinancing loans of 5 to 15 years.

What type of borrowers will E-Central Credit Union Student Loan Refinance consider?

E-Central Credit Union Student Loan Refinance considers loans applications from:

    What do you need to qualify for E-Central Credit Union Student Loan Refinance?

    E-Central Credit Union Student Loan Refinance does not require or does not disclose a credit score minimum.
    E-Central Credit Union Student Loan Refinance 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 E-Central Credit Union Student Loan Refinance.
    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

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    Contact

    Headquarters

    990 S Fair Oaks Ave
    Pasadena, CA 91105
    (626) 799-6000
    Visit Site
    Email Support

    Hours of Operation

    Sunday
    Closed
    Monday
    9:00AM - 5:00PM
    Tuesday
    9:30AM - 5:00PM
    Wednesday
    9:00AM - 5:00PM
    Thursday
    9:30AM - 5:00PM
    Friday
    9:00AM - 5:00PM
    Saturday
    Closed

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