Campus Usa: Four-Year Loan Options Explored

CAMPUS USA Credit Union offers a variety of loans, including auto loans, home loans, and personal loans. They also provide business loans and credit cards for businesses of all sizes. However, there is no specific mention of four-year loans on their website. In the context of education in the United States, most undergraduate degrees last four years, and students often take out loans to finance their education. These loans are typically disbursed in chunks before each semester and can be federal or private loans, with varying interest rates and requirements such as a co-signer.

Personal loans

CAMPUS USA Credit Union offers a range of personal loans to suit your needs. Whether you're looking to consolidate debt, make home improvements, or need assistance with medical expenses, CAMPUS has a loan option for you.

The Credit Builder Loan is designed to help individuals build their credit score. With this loan, the borrowed amount is deposited into a Campus Credit Union certificate of deposit, and regular payments are reported to credit bureaus, resulting in an improved credit score.

For those seeking a quick solution to unexpected expenses, the Signature Loan offers loans of up to $2,000 with an interest rate of 4.99% for up to 24 months. This loan can be used for anything from vacations to home improvements.

CAMPUS also provides a personal line of credit, similar to a credit card but used only for cash. This option offers fast access to funds and can be used for emergencies or overdraft protection.

Additionally, CAMPUS offers a range of auto and home loans, including the Family Planning Loan, designed to assist with the initial expenses of starting a family. With simple applications, fast approvals, and instant access to funds, CAMPUS strives to make the loan process convenient and efficient.

It's important to note that the APR for personal loans may change without notice and is determined based on creditworthiness criteria. As of 1/07/2025, the APR for personal loans starts at 14.40%.

Auto loans

CAMPUS USA Credit Union offers auto loans with personalised attention to meet your unique needs. The company promises a smooth and satisfying car-buying journey. The auto loan rates are competitive, and the approval process is fast, with applications available online, in-person, or over the phone.

CAMPUS USA Credit Union also offers refinancing options for auto loans from another lender. This can help lower the total interest paid over the life of the loan, lower monthly payments, or shorten the loan term. The refinancing process is simple and typically done to take advantage of better loan rates, which can help save money each month.

In addition to auto loans, CAMPUS USA Credit Union provides various other financial services, including personal loans, credit cards, camper and RV loans, home improvement loans, and family planning loans. The company is committed to providing a website accessible to the widest possible audience, complying with ADA standards and guidelines.

For those in Louisiana, Campus Federal Credit Union offers vehicle loans with a maximum term of 15 years. The Annual Percentage Rate (APR) is based on an evaluation of credit history, and the loan reflects a 0.25% discount for auto-debit payments. Campus Federal also has a First Time Auto Buyer Program designed to make the process more accessible for new borrowers with no credit history.

Business loans

CAMPUS USA Credit Union offers a range of business loans and credit options to help businesses succeed and reach their full potential. They offer loans for vehicles, real estate, lines of credit, and equipment. Their Business Services Team has decades of combined experience and can help businesses with their financing needs.

CAMPUS USA also offers a Mastercard BusinessCard® to help with purchasing power and day-to-day expenses. This card can be used for a variety of business needs, including seasonal cash flow management and transferring funds between accounts. Rewards are earned based on purchases, and a percentage of every purchase goes to the Children's Miracle Network.

Additionally, CAMPUS USA provides a multi-purpose line of credit to give businesses more control and flexibility over their finances. This can be used for debt consolidation, seasonal cash flow relief, or unexpected expenses such as equipment repairs.

They also offer a low-cost owner-occupied loan option for businesses looking to own their commercial property. This loan can help businesses expand into new spaces or pay off their existing office space faster.

CAMPUS USA's website is accessible to a wide audience, including those using screen readers or other auxiliary aids. Their products and services are available at all CAMPUS USA service centers and through their call center.

Student loans

US citizens and certain categories of non-citizens are eligible for federal student loans, which can be more desirable than private loans due to certain perks. However, a social security number and US-based co-signer are often required for private loans. DACA recipients, for instance, do not qualify for federal loans but may be eligible for state funding and certain private loans.

International students without a co-signer can expect higher interest rates on their loans. While taking out a loan in their home country is an option, they may also access financial aid or scholarships, arrange family support, or liquidate other assets to cover tuition fees. Most international students are eligible for scholarships and aid from the colleges they have been accepted to.

Credit cards

CAMPUS USA Credit Union offers a range of credit cards to suit different financial needs. These include:

CAMPUS Children's Miracle Network Platinum Mastercard®

With this card, a percentage of every purchase goes directly to the Children's Miracle Network, even if the balance is paid in full each month. This card has contributed over $2 million to patient care at UF Health Shands Children's Hospital in Gainesville, FL. It has a variable rate, no cash advance fee, and no balance transfer fee.

CAMPUS Platinum Mastercard®

This card can help cardholders save money with its low rates and no balance transfer fee.

CAMPUS Platinum Rewards Mastercard®

This card allows users to earn rewards. The Annual Percentage Rate (APR) is variable and based on the Wall Street Journal Prime Rate (index) plus a margin, which is determined by the card type and the consumer's creditworthiness. As of 1/07/2025, the APR was 14.40%, but it can change without notice and is not to exceed 17.99%. Rewards are credited based on purchases, but cash advances and balance transfers do not qualify for rewards points.

In addition to these Mastercard options, CAMPUS USA also offers a multi-purpose line of credit for businesses, which can provide control and flexibility in managing day-to-day or seasonal cash flow.

The CAMPUS USA Mobile Banking App allows users to manage their accounts securely and easily, view credit card transaction history and schedule payments, and apply for a credit card.

Frequently asked questions