Moneylenders and banks often offer personal loans at a high interest rate, especially if you have a lower credit score. But with Robins Financial Credit Union, you can get personal loans anytime. The best thing is that no minimum credit score is required!
Wondering how? I am here to guide you with proper instructions. The first thing is to check the history of the money lender (reliability check), and then we will explore the step-by-step guide for their personal loan plans.
You can also find out how secure your transactions will be with the bank and true borrowers’ feedback at the end. So, keep on reading, get easy loans with Robins Financial.
Brief Background of Robins Financial Credit Union
Organisational History
Founded in February 1954, Robins Financial Credit Union was originally started as “Robins Federal Credit Union”. 13 Robinson Air Force Base military personnel and civilians signed the application for a credit union in Georgia, United States.
Expanding the location in 22 areas, the credit union now provides financial services to over 200K people. Rather than treating their consumers as stakeholders like other banks, they treat them as members.
Vision: “To enhance the financial well-being of each member in the community.”
Mission: “Member Focused. Financial Partners. Community Proud.”
Here’s what the not-for-profit financial credit union’s core service looks like:
Core Services
- Digital Banking
- Financial Tools to Monitor Accounts
- Loans and Credit Products
- Investment & Retirement Services
- Insurance Services
- Community Engagement and Financial Literacy
Loan Options at Robins Financial
Robins Financial Credit Union offers a diverse range of loan options according to borrowers’ needs and requirements. The credit union also arranges programs for first-time home buyers, vacations, renovation, and commercial construction.
Let’s take a look at their loan options to choose your loan type based on your personal requirements and financial conditions:
➤ Auto Loans
➤ Home improvements
➤ Personal Loans
➤ Mortgage Loans
➤ Visa Credit Cards
Step-by-Step Guide to Getting a Loan
Getting any type of loan at Robins Financial Credit Union is like a cakewalk. You can either apply online, visit any nearest branch, or you can also book an application over a telephone call. Here’s a step-by-step guide for each method:
Online Application
Step 1: Visit the Official Website
Visit their official website and get familiarised with the interface. Go to the “Borrow” section and navigate each loan type carefully to understand what best suits you.
Step 2: Select Loan Type
Click on “Apply for a Loan” and select the type of loan you want to apply for.
Step 3: Fill in Information
Fill in all the necessary information, such as “Amount”, “Term”, “Rate”, “Monthly Payment”, and other necessary information carefully.
Step 4: Submit Application
Once complete, submit your online loan application form through their portal and wait for your call.
In-Branch Application
Step 1: Find Branch Location
Search for your nearest Robins Financial Credit Union branch online. Visit the branch.
Step 2: In-person Consultancy
Ask for assistance from the members or a representative. Consult which type of loan you are seeking and be transparent about your financial conditions.
Step 3: Fill Application
They will guide you to fill out the application process and answer all questions. Note: Make sure to read all the terms and conditions carefully before signing.
Telephone Application
Step 1: Call Customer Service
Visit the official website, where you will find their contact number. Connect to the customer service by making a call.
Step 2: Apply over the Telephone
Consult your loan requirements and financial conditions, and the representative will guide you with the loan application.
| Disclaimer: If this is your first time applying for a loan, I highly recommend that you seek expert guidance before taking the final step. You can also contact us for further info. |
5 Factors You Must Consider
There are some important factors you must not overlook while choosing a credit union for a loan. Take a look:
✔ Credit History & Score
✔ Debt-to-income Ratio
✔ Interest Rates
✔ Collateral to Secure a Loan
✔ Reliable Customer Service
How Secure Is Robins Financial Credit Union?
Robins Financial Credit Union is committed to securing and protecting your account. Find out how they safeguard your records and save on paper through digital services:
- Digital Banking
- Bill Pay
- e-Alerts
- e-Statements
Their customer service representative and telephone teller also offer 24*7 access to your account through telephone calls. You can access:
- Check account balance
- Make loan payments
- Transfer money between accounts
- Verify the last 10 transactions of your account
- Active or cancel credit cards
True Borrower Review and Feedback
Here’s what Robins Financial Credit Union borrowers have shared at WalletHub based on their personal experiences with the union’s services:
Sandra (Verified Customer)
She said she loves Robins Financial. She has a great experience with employees as they are so nice, helpful, and efficient. She is impressed with their customer service while getting advice on her account.
Laqwanous (Verified Customer)
He has been getting services from Robins Financial for the past 5 years. He shared that Robins froze his card and cut his payments by ⅔ when he had knee surgery and couldn’t work for more than a year. The employees treat him like their family. He shared a positive impression by complementing their credit ratings.
Xioshaheed9
Another customer,r xioshaheed9, shared mixed feelings about this credit union. She has shared a misunderstanding led by their employee, which showed disrespect. However, soon the matter was solved by the management.
Should You Borrow or Not?
As we have observed, Robins Financial Credit Union has a strong community base that trusts it as their reliable companion for any kind of loan. Whether you are a new borrower or have been using your credit card, applying for a loan at Robins Financial is hassle-free.
Robins Financial follows advanced security technologies to secure member accounts and transaction records. I will recommend that you try a consultation first and then proceed with the loan application. Here’s why you should borrow from them:
- Competitive Interest Rates and Flexible Loan Options
- Member-Owned, Not-for-Profit Advantage
- Versatile Loan Uses and Supportive Services
However, I highly recommend that you do a thorough research on their history and read all terms and conditions carefully, as scammers are trying to scam people under the same name. It is best to visit their official website and connect with the professionals directly.
FAQs
What is the daily money withdrawal for Robins Financial Credit Union?
You can withdraw up to $500 per day from your Robins Financial Credit Union account.
What is the credit score required for a Robins Financial Credit Union personal loan application?
Though Robins Financial Credit Union does not have any minimum credit score for personal loans, still a 690 or higher is excellent for seamless personal loan approval.
Which credit score does Robins Financial Credit Union use?
They use the FICO score 9 version for their credit score.