Last Updated: 04/18/2025
Bayer Heritage FCU Sallie Mae® Smart Option Student Loan® for Undergraduate Students
Unaffiliated
Last Updated: 04/18/2025
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Highlights
Fixed APR
4.50% - 15.49%
Variable APR
6.37% - 16.70%
Amount Range
Starting at $1,000
Bayer Heritage FCU Sallie Mae® Smart Option Student Loan® for Undergraduate Students Review
Bayer Heritage FCU Sallie Mae® Smart Option Student Loan® for Undergraduate Students is offered by Bayer Heritage Federal Credit Union, a credit union founded in 1957 and based in New Martinsville, WV. Bayer Heritage FCU Sallie Mae® Smart Option Student Loan® for Undergraduate Students are available in 50 states and Washington, DC.
Bayer Heritage FCU Sallie Mae® Smart Option Student Loan® for Undergraduate Students FAQ
What rates does Bayer Heritage FCU Sallie Mae® Smart Option Student Loan® for Undergraduate Students offer for in-school private student loan?
Bayer Heritage FCU Sallie Mae® Smart Option Student Loan® for Undergraduate Students has a variable APR that ranges from 6.37% up to 16.70% .
It offers a fixed APR that ranges from 4.50% up to 15.49% .
Many students have little or no credit history when they start college. By having a parent or other creditworthy individual cosign the loan, the student may improve their chance of approval or qualify for lower interest rates.
How much can you borrow from Bayer Heritage FCU Sallie Mae® Smart Option Student Loan® for Undergraduate Students?
Available loan amounts may vary by applicant but Bayer Heritage FCU Sallie Mae® Smart Option Student Loan® for Undergraduate Students has a minimum loan amount of $1K
Does Bayer Heritage FCU Sallie Mae® Smart Option Student Loan® for Undergraduate Students charge an origination fee?
No, Bayer Heritage FCU Sallie Mae® Smart Option Student Loan® for Undergraduate Students does not charge 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 Bayer Heritage FCU Sallie Mae® Smart Option Student Loan® for Undergraduate Students charge prepayment fees?
No, Bayer Heritage FCU Sallie Mae® Smart Option Student Loan® for Undergraduate Students 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 Bayer Heritage FCU Sallie Mae® Smart Option Student Loan® for Undergraduate Students offer?
Bayer Heritage FCU Sallie Mae® Smart Option Student Loan® for Undergraduate Students provides repayment terms ranging from 10 to 15 years.
What type of borrowers will Bayer Heritage FCU Sallie Mae® Smart Option Student Loan® for Undergraduate Students consider?
Bayer Heritage FCU Sallie Mae® Smart Option Student Loan® for Undergraduate Students considers loans applications from:
What do you need to qualify for Bayer Heritage FCU Sallie Mae® Smart Option Student Loan® for Undergraduate Students?
Bayer Heritage FCU Sallie Mae® Smart Option Student Loan® for Undergraduate Students 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. Bayer Heritage FCU Sallie Mae® Smart Option Student Loan® for Undergraduate Students 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 Bayer Heritage FCU Sallie Mae® Smart Option Student Loan® for Undergraduate Students.
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
- Proof of citizenship or residence permit
Is Bayer Heritage Federal Credit Union a legit company?
Bayer Heritage Federal Credit Union was founded in 1957, it is a well-established company that has been in business for 69 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
8:30AM - 4:30PM
Tuesday
8:30AM - 4:30PM
Wednesday
8:30AM - 4:30PM
Thursday
8:30AM - 4:30PM
Friday
8:30AM - 4:30PM
Saturday
Closed
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