All Loans > Personal Loans > Langley Federal Credit Union Personal Loans Calculator
Important disclosure

Langley Federal Credit Union Personal Loans Calculator & Overview

Carla Soto
Carla Soto
Updated 19 Aug 2023
Fact checked

Langley Federal Credit Union or (Langley FCU) logo

Langley Federal Credit Union or (Langley FCU) was chartered in 1935 and is headquartered in Newport News, Virginia. They have 250,000 members and hold $2.6 billion in assets. Their personal banking products and services are as follows: credit cards, CDs, and IRAs, home loans, auto loans, and personal loans.

Personal loans can be a more practical alternative to credit cards, allowing you to take care of urgent expenses while saving you money on interest. Use the Langley Federal Credit Union personal loans calculator to view your potential repayments. This can help you decide whether to proceed with your application or seek alternative financing.

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.

Langley FCU personal loans at a glance

When you need a quick and easy way to get money, you can consider taking out a personal loan like one from Langley Federal Credit Union. There are no origination fees and prepayment penalties. Funds can be received on the same day of application.

Here’s a breakdown of the key features and benefits of a Langley Federal Credit Union personal loan:

  • Loan terms: 96 months maximum.
  • Origination fee: $0.
  • Prepayment penalty: $0.
  • Interest rates: starting at 12.49% APR.
  • Turnaround time: same day funding.

Requirements for a Langley Federal Credit Union personal loan

Langley Federal Credit Union personal loans are available for members only. If you want to join, there are many ways to qualify for membership:

  • You live, work, worship, or attend school in Langley Federal Credit Union recognized counties.
  • You are a family member of a Langley Federal Credit Union member.
  • You are a current or former employee of Langley Federal Credit Union recognized establishments, businesses, or institutions.

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

  • You are at least 18 years old (provide a copy of your government-issued IDs such as certificate of citizenship, driver’s license, passport, or military ID).
  • You are a US resident (provide a copy of a recent utility bill, lease or rental agreement, or mortgage statement).
  • You have a good credit history – minimum of 600 is acceptable although 700 or higher is ideal.
  • You have a debt-to-income ratio of less than 40%.
  • You have a valid bank account.
  • You have proof of steady employment – provide a copy of paystubs, W-2s and 1099s, or an employer statement.
  • If you have a business or a self-employed individual, provide income verification such as tax returns, bank statements, annuity statements.

 </a

Langley Federal 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
Langley Federal Credit Union

Langley Federal Credit Union personal loans

Langley Federal Credit Union personal loans
Estimated Month Repayments
$636 Inclusive of fees
Interest Rate
9.00%
APR
Repayment Period
12 months
to 96 months
Loan Amounts
$1,000
to $20,000
Go to site
Langley Federal Credit Union (Langley FCU) is one of the 100 largest credit unions in the United States.
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 Langley Federal Credit Union personal loans

Pros

  • No origination or prepayment fees.
  • Long repayment term lengths.
  • Same day funding.
  • Easy online application.
  • Interest rebate available.

Cons

  • Loan amounts not specified.
  • High minimum APR.
  • No clear list of borrower criteria.

Frequently asked questions

How much can I borrow from Langley Federal?

There is no information regarding the minimum and maximum loan amount for a Langley Federal personal loan.

How long should I repay a personal loan from Langley Federal?

You have up to 96 months to repay your personal loan.

What is the interest rate of a Langley Federal personal loan?

The personal loan rates start at 12.49%.

Does Langley Federal offer a rate discount for setting up automatic loan payments?

Yes, they offers a 10% discount on the loan interest which will be paid monthly into your savings account.

If I get approved in my Langley Federal loan application, how soon can I receive the funds?

You can receive the funds on the same day if you have been approved.

Video: Banking for the rest of us – Langley Federal Credit Union

Popular personal loan searches

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.

.

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.

© 2024 Seeloans.com