Truliant FCU Financial Terms In a Glimpse
$500 - $35,000 on personal loans
6 months to 72 months
8.49% to 15.74% APR
Min. Credit Score
Better Business Bureau Rating
Time to Funding
Truliant FCU Highlights
Truliant FCU's community involvement is strongly felt and seen in areas where most members reside and work. It also provides seminars to educate people about financial management. Examine the features below and decide whether this is the lender you need.
Pre-qualify with Soft Credit Pull
For new account applications, a pull credit is required by Truliant FCU. This is to verify your identity and the facts that you declared. By doing this, your credit score will not be damaged. Truliant FCU offers a no-cost credit review in order to give you a detailed report about your financial stability.
High Debt to Income Ratio Allowed
The maximum debt to income ratio was not specified on the website. But to ensure you get fast approval, many banks and credit unions require 36% and below.
Line of Credit
Lines of credit are available at Truliant FCU but are subject to credit approval. Members can get up to $20,000 with a fixed rate of 10% APR for a term of 72 months. Rates are subject to change.
Credit Health Tools
There are several online tools and resources that you can access from its website. It includes highly informative articles that teach you how to manage your finances and how to save up. It also provides loan, savings, and business calculators to help you track your monthly payments and interest rates. Moreover, you can check your credit score for free through its no-cost review feature. It also has a program called get cash back wherein you earn rewards by purchasing items using your debit card. Digital banking is also available.
A skip-a-pay program is offered to members who need financial breathing room from paying their loans. However, it only allows one skipped payment per calendar year.
No Prepayment Penalty
There are no associated prepayment penalties with the loans it offers. Hence, you can pay off your loans anytime you want without incurring extra charges.
Only secured loans are offered by the company at present.