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Addition Financial Credit Union Personal Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 28 November 2023
Fact checked

Addition Financial Credit Union personal loans overview

Addition Financialb logo

Whether it’s for a major purchase, vacation, immediate expense, or anything under the sun, Addition Financial Credit Union offers flexible personal loans. You can choose from a range of personal financing options to find which one matches your needs and situation. Addition Financial provides loans with competitive rates, long terms, and easy application.

Want to see what an Addition Financial personal loan will cost? Try the Addition Financial Credit Union personal loan calculator below! All you have to do is enter your desired loan amount and term to see an estimate. You can use the calculator to adjust your loan amount and term to see how it might affect your monthly repayments.

Key Addition Financial Credit Union auto loan features

  • Minimum loan amount: $500.
  • Maximum loan amount: Up to $300,000 based on loan type.
  • Interest rates: As low as 12% APR for signature loans.
  • Loan terms: Up to 120 months depending on loan type.
  • Loan fees: 2% loan processing fee with a minimum of $30 and a maximum of $85.
  • Discounts: Undisclosed.

ADDITION FINANCIAL CREDIT UNION PERSONAL LOAN OPTIONS

Secured loans

Instead of dipping into your savings, you can borrow up to 100% of your available funds without exceeding $300,000. Your interest rate is based on your current 60-month certificate rate plus 3%. Then, secured loans have repayment terms extending up to 120 months.

Signature loans

You can also apply for an Addition Financial signature loan and use the funds no matter how you like it. Plus, you can borrow up to $30,000 for as low as 12% APR and pay your loan for up to 60 months.

Certificate loans

Through certificate loans, you can grow your savings and borrow up to 100% of available funds. You can get rates based on your current 60-month certificate rate plus 3% and terms of up to 60 months.

Addition Financial personal loan calculator

Provider
Product Information
EST Monthly
Repayment
Interest
Rate
Repayment
Period
Loan
Amounts
Sort loans by

Loan Amount

$20,000

Term

3 months

Change
Addition Financial

Addition Financial personal loans

Addition Financial personal loans
Estimated Month Repayments
$837 Inclusive of fees
Interest Rate
28.90%
APR
Repayment Period
12 months
to 60 months
Loan Amounts
$500
to $30,000
Go to site
Small dreams. Big goals. Life's opportunities come in all shapes and sizes, so Addition Financial's personal loans do too. Whether you're looking to pay down bills, travel, or simply enjoy some extra cash, we can help you fit more life into your budget with loans that offer competitive rates and convenient repayment terms.
Featured
Wells Fargo

Wells Fargo personal loans

Estimated Month Repayments
$606 Inclusive of fees
Interest Rate
5.74%
APR
Repayment Period
12 months
to 84 months
Loan Amounts
$3,000
to $10,000
Go to site
Checking and savings accounts and credit cards for your everyday business expenses and cash management.
Featured
Eastman Credit Union

Eastman Credit Union personal loans (Shared Secured Personal Loan)

Estimated Month Repayments
$848 Inclusive of fees
Interest Rate
29.90%
APR
Repayment Period
12 months
to 12 months
Loan Amounts
$1,000
to $20,000
Go to site
ECU offers extraordinary products & services that make life just a little easier.

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Minimum and maximum loan periods vary between 1 month and 10 years. Annual Percent Rates (APR) vary between 4.99% and 35.99% p.a. Total interest repayments vary between $592 and $916 over the life of the loan. *APR is based on an unsecured loan of $20,000 over a term of 3 years. WARNING: This APR is true only for the examples and may not include all charges. Different terms, fees or loan amounts might result in a different APR. These rates can change without further notice.

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HOW TO APPLY FOR AN ADDITION FINANCIAL PERSONAL LOAN

Eligibility criteria

Addition Financial doesn’t specify the requirements, but you normally need to be:

  • An Addition Financial Credit Union member
  • 18 years old or legal to obtain financing
  • A legal resident
  • Employed or have a reliable source of income

Remember that your annual percentage rate will also vary based on several factors, like your credit score. That said, check your score, and try to improve your credit to up your chances of qualifying for lower rates and better terms. Plus, this can increase your lending opportunities.

How to join Addition Financial Credit Union

You can join Addition Financial if you meet one of the following:

  • Live, work, worship, attend school or vocational training, or is an alum of any college, university, or educational institution located in a qualifying county
  • Immediate family member of an Addition Financial member

What you’ll need to have ready

Personal details

When you apply for personal financing with Addition Financial Credit Union, you’ll be asked to provide personal information such as:

  • An email address
  • Your full name
  • Address
  • Social Security number
  • Employment information
  • Income details
  • U.S. citizenship status
  • A list of monthly expenses

Documents
You can apply for the loan directly on Addition Financial’s website. During your application, you might need to supply additional documents or information. These may relate to your source of income, bank account details, and address history.

Other than preparing the documents, it’s beneficial to have an idea about the steps in getting a personal loan. This will give you insights into the process and make your application easier and faster.

Ways to apply for an Addition Financial personal loan

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call 407-896-9411 or 800-771-9411
  • Automatic payment: Available.
  • Loan approval times: Undisclosed, but decisions may take a day or more based on your situation.
  • Rate discounts: Potential lower rates for borrowers with excellent credit scores.
  • Repayment frequency: Monthly.
  • Late payment fees: 5% of the payment with a minimum of $5.
  • Prepayment penalty: 0
  • Co-borrowers allowed: Yes.
  • Co-signers: Undisclosed.
  • Ways to repay: Online banking, over the phone, and in person.

Pros and cons

Pros

  • Competitive interest rates.
  • Flexible terms.
  • Low minimum loan amount.
  • Borrow up to $300,000.
  • Easy online application.
  • Multiple personal loan options – secured, signature loans, and certificate loans.
  • Co-applicants allowed.
  • Optional payment protection offered.

Cons

  • Membership required.
  • Loan processing fee with a minimum of $30 and a maximum of $85.
  • Late payment fee.

Frequently asked questions

How much can I borrow from Addition Financial Credit Union?

Depending on the type of personal loan you choose and your overall financial situation, you may finance up to $300,000.

What is the maximum length of an Addition Financial personal loan?

Addition Financial’s personal loans have a maximum term of 120 months, but it varies per loan type.

How to apply for an Addition Financial Credit Union loan?

You can apply for a personal loan online or book an appointment at your preferred branch.

Can I repay my Addition Financial personal loan early?

There are no prepayment penalties when you pay off your loan sooner.

How can I contact Addition Financial Credit Union about my loan?

You can reach out to the credit union at 407-896-9411 or 800-771-9411.

Video: “Count us in” | Addition Financial

Carla Soto
Carla Soto

Carla is a skilled copywriter at BestFind with a background in marketing and communications. She specializes in reviewing personal loan and finance products to help readers navigate the complex world of personal finance.

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Seeloans.com provides factual information in relation to financial products. While Seeloans.com attempts to make a wide range of products and providers available, it may not cover all the options available to you. Moreover, we cannot be responsible for changes made to this information by product providers and/or inaccurate information obtained from a product provider. All product information comes from the product provider or publicly available information and to the best of our knowledge is correct at the time of publishing. The information published on Seeloans.com is general in nature only and does not consider your personal objectives, financial situation or particular needs and is not recommending any particular product to you. If you decide to apply for a product you will be dealing directly with that provider and not with Seeloans.com. Seeloans.com recommends that you read the relevant product disclosure statement or product guide before taking up any financial product offer. For more information please see Seeloans.com’s Terms of Use and Services Guide.

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