Last Updated: 04/18/2025
POPA Federal Credit Union 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
POPA Federal Credit Union Smart Option Student Loan® for Undergraduate Students Review
POPA Federal Credit Union Smart Option Student Loan® for Undergraduate Students is offered by POPA Federal Credit Union, a credit union founded in 1978 and based in Cerritos, CA. POPA Federal Credit Union Smart Option Student Loan® for Undergraduate Students are available in 50 states and Washington, DC.
POPA Federal Credit Union Smart Option Student Loan® for Undergraduate Students FAQ
What rates does POPA Federal Credit Union Smart Option Student Loan® for Undergraduate Students offer for in-school private student loan?
POPA Federal Credit Union 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 POPA Federal Credit Union Smart Option Student Loan® for Undergraduate Students?
Available loan amounts may vary by applicant but POPA Federal Credit Union Smart Option Student Loan® for Undergraduate Students has a minimum loan amount of $1K
Does POPA Federal Credit Union Smart Option Student Loan® for Undergraduate Students charge an origination fee?
No, POPA Federal Credit Union 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 POPA Federal Credit Union Smart Option Student Loan® for Undergraduate Students charge prepayment fees?
No, POPA Federal Credit Union 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 POPA Federal Credit Union Smart Option Student Loan® for Undergraduate Students offer?
POPA Federal Credit Union Smart Option Student Loan® for Undergraduate Students provides repayment terms ranging from 10 to 15 years.
What type of borrowers will POPA Federal Credit Union Smart Option Student Loan® for Undergraduate Students consider?
POPA Federal Credit Union Smart Option Student Loan® for Undergraduate Students considers loans applications from:
What do you need to qualify for POPA Federal Credit Union Smart Option Student Loan® for Undergraduate Students?
POPA Federal Credit Union 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. POPA Federal Credit Union 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 POPA Federal Credit Union Smart Option Student Loan® for Undergraduate Students. Not all companies will work with visa holders. POPA Federal Credit Union does offer its services to temporary resident visa holders such as F1 or H1B holders. An uncommon feature is for lenders to offer their services to non-residents. POPA Federal Credit Union is one of the few that does.
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 POPA Federal Credit Union a legit company?
POPA Federal Credit Union was founded in 1978, it is a well-established company that has been in business for 48 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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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