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Community America Personal Loans Calculator & Overview

Carla Soto
Carla Soto
Updated 19 Aug 2023
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CommunityAmerica Credit Union (CACU) logo

CommunityAmerica Credit Union (CACU) was founded in 1940. Its headquarters can be found in Lenexa, Texas. With $4.3 billion in assets, it is one of the largest credit unions in the country. From insurance, investing and retirement to loans, credit cards, and mortgages, CommunityAmerica provides a variety of services and resources that can help you with your financial goals.

A personal loan can be a good alternative if you want to finance a major purchase or take care of unexpected expenses but don’t want to be locked into how you use the money. One possible option is a personal loan from CommunityAmerica. Make a quick assessment of your potential monthly repayments by using the CommunityAmerica personal loans calculator. Get the information you need in this article.

Personal loans have an annual percentage rate (APR) varying from around 3% to 36% APR. The interest rates you can receive will depend on a range of factors, such as your credit score, income, and debt-to-income ratio. On a loan of $10,000 over 5 years, the cost could vary between $10,781 and $21,680. The interest cost is between $781 and $11,680.

General facts about Community America personal loans

CACU offers secured and unsecured personal loan options. When you apply for a personal loan, you can choose from a variety of loan amounts and term lengths. There is a simple online application process that makes sure qualified borrowers get their money quickly.

Here are the features and benefits of a Community America personal loan:

  • Loan amounts: $500 to $25,000
  • Loan terms: 12, 24, 36, or 48 months
  • Loan rates: starts at 10.74% APR
  • Repayment frequency: Bi-weekly, monthly, yearly
  • Loan flexibility: With or without collateral
  • Co-applications: Apply with a co-borrower to increase chances of approval

Requirements for a Community America CU personal loan

To apply for a personal loan from CACU, you must become a member. Membership is available to anyone who meets any of the following requirements:

  • If you live and work in the Kansas City area
  • If you are an immediate family member of an existing Community America member

Community America doesn’t disclose how you can qualify for its personal loan. However, most lenders expect applicants to satisfy the following criteria:

  • You are 18 years of age or older. Provide at least two forms of government-issued identification such as passport or certificate of citizenship.
  • You are a US citizen or resident. Provide a copy of a voter registration card or auto insurance that lists your address.
  • You have consistent and steady monthly income. Common forms of income verification include pay stubs, 1099 forms, or income tax returns.
  • You have a good credit standing. Aim to maintain a minimum credit score of 600. Ideally, a credit score of 700 can result in lower APRs, higher loan amounts, or a more reasonable repayment term.
  • You have a good debt-to-income ratio. Most lenders expect applicants to have a DTI ratio of 40% or lower.

Community America personal loan calculator

Provider
Product Information
EST Monthly
Repayment
Interest
Rate
Repayment
Period
Loan
Amounts
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Loan Amount

$20,000

Term

3 months

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CommunityAmerica Credit Union

CommunityAmerica Credit Union personal loans

CommunityAmerica Credit Union personal loans
Estimated Month Repayments
$643 Inclusive of fees
Interest Rate
9.74%
APR
Repayment Period
12 months
to 48 months
Loan Amounts
$500
to $25,000
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Estimated Month Repayments
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Interest Rate
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APR
Repayment Period
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Loan Amounts
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to $10,000
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Estimated Month Repayments
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APR
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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.

Frequently asked questions

How much can I borrow from CommunityAmerica?

Community America offers personal loans between $500 and $25,000.

What is the maximum term for a Community America personal loan?

You have between 12 and 48 months to repay your personal loan from Community America.

What is the interest rate for a Community America personal loan?

The potential rate for a Community America personal loan can start at 10.74% APR.

Do I have to visit the nearest branch to submit my loan application?

No, you don’t have to do that. CommunityAmerica provides an easy online application process to ensure that qualified borrowers will receive funding as early as possible.

How can I increase my chances of being approved for a Community America personal loan?

First, make sure you have a good credit history. Second, provide supporting documents to demonstrate your capacity to repay the loan. Third, consider applying with a co-borrower with a stable income and good credit standing.

Video: Believe in unbelievable – CommunityAmerica Credit Union

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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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