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Ent Credit Union Personal Loans Calculator & Overview

Carla Soto
Carla Soto
Updated 19 Aug 2023
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Ent Credit Union logo

Ent Credit Union (or Ent) was established in 1957 and serves the Northern, Central, and Southern Colorado areas. Today, Ent has more than 700,000 members and over $17 billion in assets. Ent provides a full range of financial services like free checking accounts, VISA credit cards, competitive loan rates, mobile banking, and high-yielding CDs.

Being disciplined with your finances and setting a well-thought-out budget will make managing your personal loan as easy as 1-2-3. And to ensure that a personal loan from Ent Credit Union is the best deal for you, check out your potential repayments through the Ent Credit Union personal loans calculator.

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.

Ent Credit Union personal loans in a nutshell

Ent Credit Union provides personal loan products to help you get the money you need right away. Use the funds to pay off existing debt, make a large purchase, or build your credit history. Qualified borrowers get good rates and great service, so you can get the personalized financial help you deserve.

Here is an overview of the key features and benefits of a personal loan from Ent Credit Union:

  • Loan amounts: from $500 to $25,000
  • Loan terms: payable for 24 to 84 months
  • Loan fees: $0 origination fee; $0 prepayment penalty; late fee starts at $15
  • Interest rates: From 8.99% to 17.99% APR
  • Required credit score: minimum 590

Requirements for an Ent Credit Union personal loan

An Ent Credit Union personal loan is only available to current members and employees. If you are not yet a member, you can join if you meet any of the following requirements:

  • Live, work, worship, or attend school in an ECU recognized community
  • Civilian and military personnel of the Colorado Air National Guard, Colorado Army National Guard and those associated with Buckley Space Force Base in Aurora, Colorado

There is no available information on borrower criteria for a Ent Credit Union personal loan. Typically, most lenders have a general expectation among potential loan applicants. These are the following:

  • Proof of identity (that you are 18 years of age or older)
  • Proof of residence (a recent utility bill or a copy of your lease or other rental agreement)
  • A copy of government-issued ID (e.g. driver’s license)
  • Have a minimum score of around 600 to qualify; if a higher credit score is required, you may need a co-signer or co-borrower
  • Have a debt-to-income ratio of 40% or lower
  • Evidence of steady source of income (recent tax returns, monthly bank statements, pay stubs)
  • If self-employed: provide tax returns or bank deposits

Ent Credit Union 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
First Entertainment Credit Union

First Entertainment Credit Union personal loans

First Entertainment Credit Union personal loans
Estimated Month Repayments
$603 Inclusive of fees
Interest Rate
5.40%
APR
Repayment Period
12 months
to 36 months
Loan Amounts
$500
to $30,000
Go to site
Easy Living Consolidation Loans are available for amounts up to $30,0001 and for terms of three to five years.
Ent Credit Union

Ent Credit Union personal loans

Ent Credit Union personal loans
Estimated Month Repayments
$608 Inclusive of fees
Interest Rate
5.99%
APR
Repayment Period
36 months
to 36 months
Loan Amounts
$1,000
to $20,000
Go to site
Whether you're applying for a mortgage or a student loan, get personal support every step of the way.
First Entertainment Credit Union

First Entertainment Credit Union personal loans

First Entertainment Credit Union personal loans
Estimated Month Repayments
$612 Inclusive of fees
Interest Rate
6.40%
APR
Repayment Period
12 months
to 48 months
Loan Amounts
$5,000
to $30,000
Go to site
Easy Living Consolidation Loans are available for amounts up to $30,0001 and for terms of three to five years.
First Entertainment Credit Union

First Entertainment Credit Union personal loans

First Entertainment Credit Union personal loans
Estimated Month Repayments
$617 Inclusive of fees
Interest Rate
6.90%
APR
Repayment Period
12 months
to 60 months
Loan Amounts
$10,000
to $30,000
Go to site
Easy Living Consolidation Loans are available for amounts up to $30,0001 and for terms of three to five years.
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.

SeeLoans.com provides factual information about 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 reading the relevant product disclosure statement or product guide before taking up any financial product offer. Please view SeeLoans.com's Terms of Use for more information.

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.

Pros and cons of Ent Credit Union personal loans

Pros

  • Varied borrowing limits
  • Starting rates are lower than those from other lenders
  • Co-borrower applications accepted
  • Long repayment terms
  • No prepayment penalty

Cons

  • Non-members cannot apply
  • Charges an origination fee
  • Charges a late fee
  • Higher APRs for longer loan terms
  • There is a credit score requirement

Frequently asked questions

What are the available loan amounts for an Ent Credit Union personal loan?

Ent Credit Union offers personal loans between $500 and $25,000.

What are the available loan terms for an Ent Credit Union personal loan?

An Ent Credit Union personal loan is payable over 24 to 84 months.

What are the loan fees for an Ent Credit Union personal loan?

An Ent Credit Union personal loan has no prepayment penalties. However, there is an origination fee and a $15 late payment fee.

What are the interest rates for an Ent Credit Union personal loan?

Interest rates for an Ent Credit Union personal loan start at 8.99% and go up to 17.99% APR.

What is the required credit score for an Ent Credit Union personal loan?

You need a minimum credit score of 590 to be eligible to take out an Ent Credit Union personal loan.

Video: Personal loans with Ent 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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