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Xceed Financial Credit Union Personal Loans Calculator & Overview

Carla Soto
Updated 11 Aug 2023
Fact checked

Xceed Financial Credit Union logo

Xceed Financial Credit Union was founded in 1964. This not-for-profit financial cooperative has nearly $1 billion in assets and over 60,000 members. In April 2021, Xceed merged into Kinecta Federal Credit Union.

How much can you borrow from an Xceed Financial Credit Union personal loan? Use the Xceed Financial Credit Union personal loans calculator to determine this. Or, use it to view your estimated monthly repayments. Keep adjusting the figures until you find a figure that matches your budget.

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.

Xceed Financial Credit Union personal loans in a nutshell

Xceed Financial Credit Union offers unsecured personal loans that can be used for virtually any purpose. Whether it is to fund major or emergency expenses, the choice is yours. Use it to pay down high-interest debt. It is good for covering medical and dental expenses. It can even finance dream vacations, education costs, and special life events.

Features of Xceed Financial Credit Union’s personal loans

The details listed below are what you need to know about an Xceed Financial personal loan:

  • Loan amounts: $1,000 to $100,000
  • Loan terms: Between 1 year and 7 years
  • Repayment frequency: Monthly
  • Interest rates: APR from 7.24%
  • No collateral required

 

Requirements for an Xceed Financial personal loan

Xceed Financial Credit Union is now affiliated with Kinecta Federal Credit Union. Before applying for a loan, you have to become a Kinecta member. Who can qualify to join?

  • If you are an immediate family or household member of a Kinecta member
  • If you live, work, or attend school in Kinecta selected communities
  • If you have ever worked at one of Kinecta’s organizations
  • If you are willing to join the Innovision Society

 
To begin your membership application, you must:

  • Be 18 years old
  • Have a valid Social Security Number
  • Have a valid US government ID
  • Provide residence and work information
  • Provide $5 minimum deposit

 

Xceed Financial Credit Union personal loan calculator

Loan Amount

$20,000

Term

3 months

Xceed Financial Credit Union

Xceed Financial Credit Union personal loans

Estimated Month Repayments
Interest Rate
7.74%
APR
Repayment Period
12 months
to 60 months
Loan Amounts
$1,000
to $100,000
At Xceed, our mission is to be the workplace credit union for businesses and their employees across the US, providing top-notch, full-service banking with a focus on quality and personalized service.

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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.

Frequently asked questions

What is the minimum and maximum amount for Xceed Financial loans?

The minimum loan amount is $1,000. The maximum loan amount is up to $100,000.

Are there restrictions on loan purposes?

No, there are none. You can use the funds at your discretion. The money can pay for anything you need or want.

Do I need collateral to qualify for a loan?

No, you don’t need collateral to qualify for a loan. Xceed Financial personal loans are unsecured loans.

How long can I repay the entire loan amount?

Repayment terms are between 12 months and 84 months (or 7 years).

Can non-members qualify for a loan?

Only Xceed Financial members can apply for a personal loan. If you are not a member, you can join as long as you meet the requirements.


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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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