{"id":5497,"date":"2021-09-13T14:59:21","date_gmt":"2021-09-13T14:59:21","guid":{"rendered":"https:\/\/www.vfcu.net\/?p=5497"},"modified":"2021-09-13T14:59:21","modified_gmt":"2021-09-13T14:59:21","slug":"two-tips-from-our-brownsville-credit-union-on-spotting-online-loan-scammers","status":"publish","type":"post","link":"https:\/\/www.vfcu.net\/es\/two-tips-from-our-brownsville-credit-union-on-spotting-online-loan-scammers\/","title":{"rendered":"Two Tips from Our Brownsville Credit Union on Spotting Online Loan Scammers"},"content":{"rendered":"<p>When you\u2019re in desperate need of cash, it\u2019s easy to accept an offer from a lender you found online. However, there are many online loan scammers that should be avoided at all costs. Some promise you a personal loan in exchange for a small fee, while others ask for a social security number or banking information to steal your identity. We want to share a couple of ways to spot a loan scammer.<\/p>\n<p><img decoding=\"async\" class=\"aligncenter size-full wp-image-5499\" src=\"https:\/\/www.vfcu.net\/wp-content\/uploads\/2021\/09\/personal-finances-in-Harlingen.jpg\" alt=\"Signs that a lender is a scammer:\" width=\"600\" height=\"400\" title=\"\" srcset=\"https:\/\/www.vfcu.net\/wp-content\/uploads\/2021\/09\/personal-finances-in-Harlingen.jpg 600w, https:\/\/www.vfcu.net\/wp-content\/smush-webp\/2021\/09\/personal-finances-in-Harlingen-300x200.jpg.webp 300w\" sizes=\"(max-width: 639px) 98vw, (max-width: 1199px) 64vw, 600px\" \/><\/p>\n<h2>Telltale Signs<\/h2>\n<p>Here are a few warning signs that a lender is a scammer:<\/p>\n<ul>\n<li>The loan is offered over the phone.<\/li>\n<li>The loan requires a wire transfer first.<\/li>\n<li>Any possible fees aren\u2019t disclosed first.<\/li>\n<li>The provider isn\u2019t a state-registered agency.<\/li>\n<\/ul>\n<h2><img decoding=\"async\" class=\"aligncenter size-full wp-image-5500\" src=\"https:\/\/www.vfcu.net\/wp-content\/uploads\/2021\/09\/personal-loan-in-Harlingen.jpg\" alt=\"Know Your Borrowers Rights\" width=\"600\" height=\"400\" title=\"\" srcset=\"https:\/\/www.vfcu.net\/wp-content\/uploads\/2021\/09\/personal-loan-in-Harlingen.jpg 600w, https:\/\/www.vfcu.net\/wp-content\/smush-webp\/2021\/09\/personal-loan-in-Harlingen-300x200.jpg.webp 300w\" sizes=\"(max-width: 639px) 98vw, (max-width: 1199px) 64vw, 600px\" \/><\/h2>\n<h2>Know Your Borrowers Rights<\/h2>\n<p>According to the Federal Trade Commission (FTC), debt collectors cannot:<\/p>\n<ul>\n<li>Contact you at work after asking them not to.<\/li>\n<li>Harass you with repeated phone calls, profane language, and threats.<\/li>\n<\/ul>\n<ul>\n<li>Contact you during inappropriate times like the very early morning or late evening.<\/li>\n<li>Communicate with your friends, relatives, and employer to find out where you live.<\/li>\n<li>Make false claims where they threaten to have you arrested or deduct money from your paycheck.<\/li>\n<\/ul>\n<h2>Apply for a Loan with VFCU!<\/h2>\n<p>Valley Federal Credit Union has been in operation for over 85 years, is an equal housing lender, and is registered with the NCUA. As a member of our credit union, you&#8217;ll enjoy:<\/p>\n<ul>\n<li>Fixed interest rates on\u00a0<a href=\"https:\/\/www.vfcu.net\/loans\/\">our loans<\/a>.<\/li>\n<li>Member perks such as <a href=\"https:\/\/www.vfcu.net\/member-benefits\/trustage\/\">insurance<\/a>\u00a0and\u00a0<a href=\"https:\/\/www.vfcu.net\/member-benefits\/money-concepts\/\">financial planning<\/a>.<\/li>\n<li>Convenient\u00a0<a href=\"https:\/\/www.vfcu.net\/savings-and-checking\/benefits-of-using-your-mobile-app\/\">mobile banking<\/a>,\u00a0<a href=\"https:\/\/www.vfcu.net\/zelle\/\">quick transfers<\/a>, and\u00a0<a href=\"https:\/\/www.vfcu.net\/mobile-deposit\/\">mobile check deposits<\/a>.<\/li>\n<\/ul>\n<h2>Contact Us Today to Become a Member<\/h2>\n<p><a href=\"https:\/\/www.vfcu.net\/contact\/\">Contact us online<\/a> or call (956) 546-3108 for questions about our loans or to become a member. Please know that our loan rates are subject to change without notice.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>When you\u2019re in desperate need of cash, it\u2019s easy to accept an offer from a lender you found online. However, there are many online loan scammers that should be avoided at all costs. Some promise you a personal loan in exchange for a small fee, while others ask for a social security number or banking [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":5498,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[56,59],"tags":[],"class_list":["post-5497","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-loans","category-tips"],"_links":{"self":[{"href":"https:\/\/www.vfcu.net\/es\/wp-json\/wp\/v2\/posts\/5497","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.vfcu.net\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.vfcu.net\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.vfcu.net\/es\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.vfcu.net\/es\/wp-json\/wp\/v2\/comments?post=5497"}],"version-history":[{"count":0,"href":"https:\/\/www.vfcu.net\/es\/wp-json\/wp\/v2\/posts\/5497\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.vfcu.net\/es\/wp-json\/wp\/v2\/media\/5498"}],"wp:attachment":[{"href":"https:\/\/www.vfcu.net\/es\/wp-json\/wp\/v2\/media?parent=5497"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.vfcu.net\/es\/wp-json\/wp\/v2\/categories?post=5497"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.vfcu.net\/es\/wp-json\/wp\/v2\/tags?post=5497"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}