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Truliant Federal Credit Union Personal Loans Calculator & Overview

Carla Soto
Carla Soto
Updated 11 Aug 2023
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Truliant Federal Credit Union logo

Truliant Federal Credit Union was chartered in 1952 and is headquartered in Winston-Salem, North Carolina. With more than $2 billion in assets, Truliant Federal Credit Union has a membership of more than 280,000. They offer an array of products for consumers, including checking accounts, savings accounts, share certificates, loans, credit cards, and business banking services.

A personal loan, like one from Truliant Federal Credit Union, can be a feasible option to meet almost any expenses. However, there are a few things to consider before submitting an application. To get things started, use the Truliant Federal Credit Union personal loans calculator to reveal your EMIs (equated monthly installments).

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.

An overview of Truliant Federal Credit Union personal loans

Before taking out a loan from Truliant Federal Credit Union, find out about its features and benefits. This will help you compare it with those from other lenders. The list below will show if they correspond to what you’re looking for in a personal loan:

  • Loan amounts: minimum $500; maximum $50,000
  • Loan terms: between 6 and 84 months
  • Loan fees: $0 origination fee; $0 prepayment penalty
  • Interest rates: from 7.24% to 17.99% APR

 

Requirements for a Truliant Federal Credit Union personal loan

A Truliant Federal Credit Union personal loan is only available to current members and employees. If you are not yet a member, there are different ways to join. Membership is available to anyone who:

  • Lives, works, worships, or attends school in Truliant Federal Credit Union recognized counties
  • Is a family member of a Truliant Federal Credit Union member
  • Is a current or former employee of Truliant Federal Credit Union recognized establishments, businesses, or institutions

Truliant Federal Credit Union does not have a specific list of borrower criteria. However, most lenders expect loan applicants to submit documents related to the following requirements:

  • Proof of identity: This is to determine if you’re a United States citizen or permanent resident and if you’re at least 18 years of age. You’ll typically need to present two forms of identification, such as birth certificate, driver’s license, passport, or social security card.
  • Proof of your living situation: This is to determine if you are a permanent US citizen or resident. You can usually use one of the following: utility bill, proof of insurance on your home, lease/rental or vehicle, lease or rental agreement.
  • Proof of capacity to pay: Lenders need to be confident that you will repay the loan. If you are traditionally employed, submit a copy of your pay stubs, W-2s and 1099s, employer statement. If you are a business owner or a self-employed applicant, submit a copy of your tax returns, bank statements, or annuity statements.
  • Good credit score and DTI ratio: Lenders require applicants to meet a certain credit score threshold (beyond 700) and DTI ratio for approval (lower than 40%). However, these requirements aren’t set in stone.

 

Truliant 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
Truliant Federal Credit Union

Truliant Federal Credit Union personal loans (Savings Secured Line of Credit)

Truliant Federal Credit Union personal loans (Savings Secured Line of Credit)
Estimated Month Repayments
$583 Inclusive of fees
Interest Rate
3.15%
APR
Repayment Period
12 months
to 60 months
Loan Amounts
$1,000
to $20,000
Go to site
Whether you're looking to consolidate debt, make a large purchase or take a vacation, a personal loan or line of credit from Truliant features a great rate, flexible terms and no fees.
Truliant Federal Credit Union

Truliant Federal Credit Union personal loans (Debt180 Debt Consolidation Loan)

Truliant Federal Credit Union personal loans (Debt180 Debt Consolidation Loan)
Estimated Month Repayments
$627 Inclusive of fees
Interest Rate
7.99%
APR
Repayment Period
6 months
to 72 months
Loan Amounts
$500
to $35,000
Go to site
Whether you're looking to consolidate debt, make a large purchase or take a vacation, a personal loan or line of credit from Truliant features a great rate, flexible terms and no fees.
Truliant Federal Credit Union

Truliant Federal Credit Union personal loans (Personal Convenience Loan)

Truliant Federal Credit Union personal loans (Personal Convenience Loan)
Estimated Month Repayments
$627 Inclusive of fees
Interest Rate
7.99%
APR
Repayment Period
6 months
to 72 months
Loan Amounts
$500
to $35,000
Go to site
Whether you're looking to consolidate debt, make a large purchase or take a vacation, a personal loan or line of credit from Truliant features a great rate, flexible terms and no fees.
Truliant Federal Credit Union

Truliant Federal Credit Union personal loans (Preferred Line of Credit /Overdraft Protection)

Truliant Federal Credit Union personal loans (Preferred Line of Credit /Overdraft Protection)
Estimated Month Repayments
$641 Inclusive of fees
Interest Rate
9.49%
APR
Repayment Period
12 months
to 60 months
Loan Amounts
$1,000
to $20,000
Go to site
Whether you're looking to consolidate debt, make a large purchase or take a vacation, a personal loan or line of credit from Truliant features a great rate, flexible terms and no fees.
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
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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 Truliant FCU personal loans

Pros

  • No application fee
  • No processing fee
  • No origination fee
  • No prepayment fee
  • 90-day deferred payment

 

Cons

  • Exclusive for members
  • Income and credit requirements unclear
  • No information on debt protection plan

Frequently asked questions

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

Truliant FCU offers personal loans up to $50,000.

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

You have between 6 and 84 months to repay your personal loan from Truliant Federal Credit Union.

What interest rates does Truliant Federal Credit Union personal loan offer?

Interest rates for a personal loan from Truliant Federal Credit Union can range between 7.24% and 17.99%.

Does Truliant Federal Credit Union offer a Skip-a-Pay option?

Yes. Truliant Federal Credit Union allows borrowers to skip a loan payment per calendar year.

What number do I need to call to ask about personal loans from Truliant Federal Credit Union?

You can call 800.822.0382 to find out more about Truliant Federal Credit Union personal loans.

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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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