{"id":5600,"date":"2021-12-15T15:45:35","date_gmt":"2021-12-15T15:45:35","guid":{"rendered":"https:\/\/www.vfcu.net\/?p=5600"},"modified":"2021-12-17T22:17:58","modified_gmt":"2021-12-17T22:17:58","slug":"debunking-3-personal-loan-myths-from-our-harlingen-credit-union","status":"publish","type":"post","link":"https:\/\/www.vfcu.net\/es\/debunking-3-personal-loan-myths-from-our-harlingen-credit-union\/","title":{"rendered":"Debunking 3 Personal Loan Myths from our Harlingen Credit Union"},"content":{"rendered":"<p>It helps to have additional finances during the holidays to make ends meet. If you need money but aren\u2019t sure where to get it, then a commercial Harlingen bank may sound appealing. However, they usually offer unfixed interest rates. Our credit union in Harlingen provides financing for <a href=\"https:\/\/www.vfcu.net\/cards\/credit-cards\/\">credit cards<\/a>, <a href=\"https:\/\/www.vfcu.net\/loans\/auto\/\">auto loans,<\/a> secured loans, and personal loans in Harlingen.<\/p>\n<p>We want to debunk three borrowers\u2019 fears about applying for a loan at our valley credit union.<\/p>\n<h2>Personal Loan Approval Takes Forever<\/h2>\n<p>False. Applying for any of our loans, including a\u00a0<a href=\"https:\/\/www.vfcu.net\/loans\/signature-and-personal-loans\/\">Personal Loan<\/a>, can be a quick and simple process! Please note:<\/p>\n<ul>\n<li><a href=\"https:\/\/www.financial-net.com\/valleyfcu\/lending\/InternetLoans\" target=\"_blank\" rel=\"noopener\">You can easily apply for loans online<\/a>.<\/li>\n<li>Only a loan officer can approve your application.<\/li>\n<li>The loan amount is based on current income and credit score.<\/li>\n<\/ul>\n<p><img decoding=\"async\" class=\"aligncenter size-full wp-image-5602\" src=\"https:\/\/www.vfcu.net\/wp-content\/uploads\/2021\/12\/be11dbf0a4c75ea396355f80d335f4d9.jpg\" alt=\"woman on mattress while holiday shopping at Valley Credit Union Banks, Harlingen\" width=\"600\" height=\"400\" title=\"\" srcset=\"https:\/\/www.vfcu.net\/wp-content\/uploads\/2021\/12\/be11dbf0a4c75ea396355f80d335f4d9.jpg 600w, https:\/\/www.vfcu.net\/wp-content\/smush-webp\/2021\/12\/be11dbf0a4c75ea396355f80d335f4d9-300x200.jpg.webp 300w\" sizes=\"(max-width: 639px) 98vw, (max-width: 1199px) 64vw, 600px\" \/><\/p>\n<h2>Low Credit Means No Cash Back<\/h2>\n<p>This simply is not true. Just because you have a low credit score does not mean you cannot still get a loan. Our credit union can help you find the right financing option for you. Learn more about <a href=\"https:\/\/www.vfcu.net\/2016\/01\/19\/five-factors-that-harm-your-credit-score\/\">how credit scores can impact your finances<\/a>.<\/p>\n<h2>Banks in Harlingen are Better than Credit Unions<\/h2>\n<p>There are a few advantages to <a href=\"https:\/\/www.vfcu.net\/about\/\">working with a credit union<\/a> instead of a bank. Our local federal credit union:<\/p>\n<ul>\n<li>Has regulated loan rates.<\/li>\n<li>Is a not-for-profit institution.<\/li>\n<li>Insured up to 250 thousand dollars by NCUASIF.<\/li>\n<li>Is known for more favorable fees compared to other banks in Harlingen.<\/li>\n<\/ul>\n<h2>Loyalty Loans are Still Available<\/h2>\n<p>Request up to $1,500 when you <a href=\"https:\/\/www.financial-net.com\/valleyfcu\/lending\/InternetLoans\" target=\"_blank\" rel=\"noopener\">apply for a loyalty loan<\/a>. You can request this service if you\u2019ve been a VFCU member for at least a year and have a direct deposit account.<\/p>\n<p><a href=\"https:\/\/www.vfcu.net\/contact\/\">Send us a message online,<\/a>\u00a0or call (956) 425-5668 to reach our Harlingen local federal credit union office.<\/p>\n<p>*Rates are subject to change without notice<\/p>\n<p>**Certain Restrictions Apply. For more information visit our main office or our Harlingen branch.<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>It helps to have additional finances during the holidays to make ends meet. If you need money but aren\u2019t sure where to get it, then a commercial Harlingen bank may sound appealing. However, they usually offer unfixed interest rates. Our credit union in Harlingen provides financing for credit cards, auto loans, secured loans, and personal [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":5601,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[56],"tags":[82,77,76,84,81,75,83,86,85,78],"class_list":["post-5600","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-loans","tag-auto-loan-harlingen","tag-bank-harlingen","tag-banks-harlingen","tag-credit-union-harlingen","tag-harlingen-credit-union","tag-local-federal-credit-union","tag-personal-loan-harlingen","tag-personal-loans-harlingen","tag-tx","tag-valley-credit-union"],"_links":{"self":[{"href":"https:\/\/www.vfcu.net\/es\/wp-json\/wp\/v2\/posts\/5600","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=5600"}],"version-history":[{"count":0,"href":"https:\/\/www.vfcu.net\/es\/wp-json\/wp\/v2\/posts\/5600\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.vfcu.net\/es\/wp-json\/wp\/v2\/media\/5601"}],"wp:attachment":[{"href":"https:\/\/www.vfcu.net\/es\/wp-json\/wp\/v2\/media?parent=5600"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.vfcu.net\/es\/wp-json\/wp\/v2\/categories?post=5600"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.vfcu.net\/es\/wp-json\/wp\/v2\/tags?post=5600"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}