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Robins Financial Credit Union Personal Loans Calculator & Overview

Carla Soto
Carla Soto
Updated 10 Aug 2023
Fact checked

Robins Financial Credit Union logo

Robins Financial Credit Union was originally formed in 1954 and is located in Warner Robins, Georgia. Robins Financial has assets of over $4 billion, and has more than 243,000 members. They offer an array of products for consumers, including checking accounts, savings accounts, share certificates, loans, credit cards, and business banking services.

Before you take out a loan, like one from Robins Financial Credit Union, weigh the advantages and disadvantages to find out if it is the right product for you. Curious about your EMIs (equated monthly installments)? The Robins Financial Credit Union personal loans calculator can help you figure that out.

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.

Personal loans from Robins Financial Credit Union in a nutshell

Like other lenders, Robins Financial Credit Union offers its own list of features and benefits. Look at the list below so you can determine if they fit your personal expectations and payment preferences:

Here is a roundup of the vital features and benefits of a personal loan from Robins Financial Credit Union:

  • Loan amount: minimum of $5,000
  • Loan terms: between 36 and 60 months
  • Interest rates: from 11.00% to 18.00% APR

 

Requirements for a Robins Financial Credit Union personal loan

You must be a member of Robins Financial Credit Union to be eligible for a personal loan. Here are the criteria you must meet to become a member of Robins Financial Credit Union:

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

There is no available information on borrower criteria for a personal loan from Robins Financial Credit Union. 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 and active 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.

Robins Financial Credit Union 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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Robins Financial Credit Union

Robins Financial Credit Union personal loans

Robins Financial Credit Union personal loans
Estimated Month Repayments
$837 Inclusive of fees
Interest Rate
28.90%
APR
Repayment Period
12 months
to 60 months
Loan Amounts
1000
to $20,000
Go to site
Robins Financial Credit Union personal loans and credit lines offer you money when you need it. We offer personal loans, savings secured loans, lines of credit and a credit builder loan to give you cash when you need it, with low interest rates and repayment terms to make it easier to keep your finances healthy.
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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.
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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.

 

Pros and cons of Robins FCU personal loans

Pros

  • No collateral required
  • Convenient payment options available
  • Online or in-person application

Cons

  • No information about maximum loan amount
  • High base interest rate
  • Income/credit requirement not listed

Frequently asked questions

What are the minimum and maximum loan amounts for a Robins FCU personal loan?

Robins FCU offers personal loans for a minimum amount of $5,000.

How long should I repay a personal loan from Robins FCU?

You have between 36 and 60 months to repay your personal loan from Robins FCU.

What interest rates does Robins FCU personal loan offer?

Interest rates for a personal loan from Robins FCU can range between 11.00% and 18.00%.

Will my low credit score affect my loan application from Robins FCU?

Getting a personal loan is often difficult if you have low credit scores. But don’t let this stand in your way; build up and improve those numbers first before applying for a personal loan from Robins FCU.

How can I submit my application for a personal loan at Robins FCU?

Apply online, by phone, or visit any of Robins FCU branch locations.

Video: Welcome to Robins Financial 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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