Golden 1 Credit Union Financial Terms in a Glimpse
$1,000 - $75,000
Term Limits Based on Amount Borrowed
Starting from 16.25%
Min. Credit Score
Better Business Bureau Rating
Time to Funding
1 to 2 Business Days
Golden 1 Credit Union Denver Highlights
Here are some of the key features of the loans offered:
Pre-qualify with Soft Credit Pull
Golden 1 carries out a soft credit pull when checking your application viability, but this does not impact your credit scores.
Loan applicants are expected to provide the following information:
- Name and Date of Birth
- Contact Details
- Social Security Number
- Total Monthly Income
- Proof of income/Employment status
High Debt to Income Ratio Allowed
The lender has not provided any information on the kind of debt to income ratio it allows.
Line of Credit
Golden 1 offers personal lines of credit ranging from $500 to $30,000 with minimum APRs of 7.79%. Interest is only charged if that line of credit is used.
Credit Health Tools
Personal loans may be used for medical expenses.
There are various assistance programs for loan payments for those undergoing financial hardships.
For payment assistance members are required to call the lender’s helpline (1-877-723-3010).
No Prepayment Penalty
Golden 1 does not charge a prepayment penalty.
This lender offers person unsecured loans. There is also a loan called the Starter Loan that is specifically for those with no credit history or bad credit.
The maximum loan limit is $1,500, but if a guarantor co-signs the loan application, then that amount can be increased to $2,500.