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VyStar Credit Union Personal Loans Calculator & Overview

Carla Soto
Carla Soto
Updated 11 Aug 2023
Fact checked

VyStar Credit Union logo

VyStar Credit Union was founded in 1952 and is based in Jacksonville, Florida. This non-profit financial cooperative has over $12 billion in assets, and more than 500,000 members. They have a full suite of product offerings, including savings accounts, checking accounts, money market accounts, CDs, IRAs, mortgage products and credit cards.

Personal loans, when used wisely, can help you improve your credit score and reach financial goals. Left unchecked, however, you may face financial challenges. So to avoid any surprises, like if you decide to go for a VyStar Credit Union personal loan, look into how much your EMIs (equated monthly installments) will be. Let the VyStar Credit Union personal loans calculator do the work for you.

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.

A quick guide to personal loans from VyStar Credit Union

Like other lenders, VyStar 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:

  • Loan amounts: minimum $500; maximum $50,000
  • Loan terms: between 36 and 84 months
  • Loan fees: $0 annual fee
  • Interest rates: starting at 8.75% APR

 

Requirements for a VyStar Credit Union personal loan

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

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

 
Bank Name 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.

 

VyStar 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
VyStar Credit Union

VyStar Credit Union personal loans

VyStar Credit Union personal loans
Estimated Month Repayments
$627 Inclusive of fees
Interest Rate
7.99%
APR
Repayment Period
12 months
to 84 months
Loan Amounts
$300
to $100,000
Go to site
Whatever life brings, we have loan options tailored to your needs. Pay off your high-interest credit cards, make some home improvements or cover unexpected expenses. It's quick and easy to apply - no collateral required.
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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 VyStar Credit Union personal loans

Pros

  • Borrow as low as $500
  • Qualified borrowers can receive up to $50,000
  • No annual fee
  • Deferred payment options
  • Debt protection plan available

 

Cons

  • Exclusive for members
  • Borrower criteria unclear

Frequently asked questions

How much does VyStar Credit Union offer for its personal loans?

Qualified borrowers of a VyStar Credit Union personal loan can receive funds from $500 to $50,000.

What are my options for repaying the full loan amount from VyStar Credit Union?

The loan from VyStar Credit Union can be repaid for a period between 3 years and 7 years (36-84 months).

What are the potential rates for a personal loan from VyStar Credit Union?

Potential rates for a VyStar Credit Union personal loan can start from 8.75%.

Does VyStar Credit Union offer a Skip-a-Pay option?

Yes. VyStar Credit Union allows borrowers with good credit standing to defer a loan payment.

Does VyStar Credit Union provide a debt protection plan?

Yes. VyStar Credit Union offers a loan protection insurance that can cover debt payments on personal loans if the insured loses their ability to pay due to a covered event.

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

You can call 800.445.6289 to find out more about VyStar Credit Union personal loans.

Video: VyStar Credit Union: Do good. Bank better.

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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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