Chartered in 1957, Ent Credit Union (known simply as Ent) is a state community not-for-profit credit union that serves those who live in 14 specific counties in the state of Colorado. Ent is Colorado’s largest and best credit union, and the 31st largest in the country. The organization has $5 billion in assets under management and more than 300,000 members.
This is a Better Business Bureau accredited organization and has an A+ rating. The credit union has mostly positive customer reviews on various online forums.
Services that you are offered here are:
Loan Amounts | Minimum Loan amount is $100 |
Term Length | Up to 72 months |
Loan Rates | Up to 17.90% |
Min. Credit Score | 590 |
Better Business Bureau Rating | A+ |
Time to Funding | Subject to Credit Approval |
If you are in the market for a home or mortgage, personal, student or even auto loan, then Ent may have what you’re looking for. The loans have low interest rates, long repayment terms, and low monthly fixed payments. There is no information on whether you will be able to get a loan if you have bad credit.
There is a soft credit pull carried out but there is no information on the pre-qualifying process.
If you apply for a loan, you are expected to provide the following information.
The details of the debt to income ratio are not mentioned.
The Personal Line of Credit is a revolving LOC which has an APR that ranges from 9.90% to 17.90%. The minimum payment requirement is 2% of the total outstanding balance.
The personal loan may be used for health related expenses.
The Skip-a-Pay option allows those in financial straits to defer their payments for up to 3 months.
There are no prepayment penalties.
Personal loans and lines of credit do not require any collateral.
Availing of the Skip-A-Pay option means the borrower will have to pay a $15 fee. There are also late fees for late payment of loans. Further details on the kinds of fees that will be imposed will depend on the loan type.
Here are the qualification requirements:
Ent Credit Union has positive customer reviews on the whole. However, while a certain amount of loan information in provided, for further details an applicant is required to get in touch with the customer service department – or visit the lender’s office.
If you are looking for lenders that can compare to then you could look at Upgrade. Another great option is Avant. All details about their loans are clearly mentioned on their websites, so it is easier to make a decision on which type of loan could suit an applicant.
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