The Express Credit Union is a personal loan from Express Credit Union. The ongoing APR is 14% APR for all applicants; 13% APR with 1% discount after a free financial counseling session with GreenPath. Approval typically requires a credit score of No minimum credit score required or higher. Typical credit limit: Up to $3,000 paid directly to fines, fees, and/or other re-registration costs. Loan terms: Max term 36 months.