{"id":6070,"date":"2022-11-30T20:49:28","date_gmt":"2022-11-30T20:49:28","guid":{"rendered":"https:\/\/www.vfcu.net\/?p=6070"},"modified":"2022-12-09T17:15:56","modified_gmt":"2022-12-09T17:15:56","slug":"shop-with-our-local-federal-credit-union","status":"publish","type":"post","link":"https:\/\/www.vfcu.net\/es\/shop-with-our-local-federal-credit-union\/","title":{"rendered":"Shop Smart for a Vehicle with our Local Federal Credit Union"},"content":{"rendered":"<p class=\"p1\">Does shopping for a car affect my credit score? Our local federal credit union wants to share how this happens and how you can afford to finance your vehicle.\u00a0You might be surprised that it does not always affect you badly. While some individuals expect that outcome, shopping for the best deals on auto loans can positively impact your score.<\/p>\n<p class=\"p3\">Did you know you get to see your credit score for free when you download our app? Read how below.<\/p>\n<h2 class=\"p4\">Credit Score Impact<\/h2>\n<p class=\"p3\">Initially, you can minimize your credit by shopping within a short amount of time. According to the <a href=\"https:\/\/www.consumerfinance.gov\/ask-cfpb\/what-effect-will-shopping-for-an-auto-loan-have-on-my-credit-en-763\/\" target=\"_blank\" rel=\"noopener\"><span class=\"s1\">Consumer Financial Protection Bureau<\/span><\/a>, applying for loans over a certain period can lower your credit score. Typically, these lenders check your score within 14 to 45 days and only count as a single inquiry, depending on the credit scoring model used.<\/p>\n<h2 class=\"p4\">Apply for an Auto Loan<\/h2>\n<p class=\"p1\">With VFCU, getting an\u00a0<a href=\"https:\/\/www.vfcu.net\/loans\/auto\/\"><span class=\"s1\">auto loan<\/span><\/a>\u00a0for your car is simple! There is 100% financing available. You can apply online, with refinancing available, and a low-cost extended warranty!<\/p>\n<p class=\"p1\">Plus, we have competitive rates compared to other Harlingen Banks:<\/p>\n<ul class=\"ul1\">\n<li class=\"li1\">New auto loan up to 72 months as low as 3.90% APR.<\/li>\n<li class=\"li1\">New auto loan up to 84 months as low as 5.25% APR.<\/li>\n<li class=\"li1\">Used auto loans up to 72 months as low as 5.25% APR.<\/li>\n<li class=\"li3\">Used auto loans up to 84 months as low as 6.25% APR.<\/li>\n<\/ul>\n<h2 class=\"p4\">Invest in Forever Car<\/h2>\n<p class=\"p1\">Don\u2019t forget about affordable coverage after getting a nice car with financing at VFCU.<\/p>\n<p class=\"p1\">Forever Car offers different coverage plans for your vehicle repairs. Forever Car benefits include:<\/p>\n<p class=\"p1\">\u25cf Licensed repair facilities<\/p>\n<p class=\"p1\">\u25cf Customized deductibles<\/p>\n<p class=\"p1\">\u25cf Convenient monthly payments<\/p>\n<p class=\"p1\">\u25cf Emergency roadside assistance<\/p>\n<p class=\"p1\">\u25cf Rental car and emergency travel<\/p>\n<h2 class=\"p4\">Enjoy More VFCU Benefits<\/h2>\n<p class=\"p1\">Our local federal credit union and our mobile banking services help you worry less about your finances and take advantage of our services that help you keep track of your money.<\/p>\n<p class=\"p1\">Download our\u00a0<a href=\"https:\/\/www.vfcu.net\/savings-and-checking\/benefits-of-using-your-mobile-app\/\"><span class=\"s1\">Mobile Banking App<\/span><\/a>\u00a0and enjoy:<\/p>\n<p class=\"p1\">\u25cf\u00a0<a href=\"https:\/\/www.vfcu.net\/zelle\/\"><span class=\"s1\">Zelle<\/span><\/a>\u00ae money transfer<\/p>\n<p class=\"p1\">\u25cf Mobile Banking Deposits<\/p>\n<p class=\"p1\">\u25cf A Free Credit Score Review<\/p>\n<p class=\"p3\">\u25cf Online Banking and Bill Payments<\/p>\n<h2 class=\"p4\">Become a Member Today with our Local Federal Credit Union<\/h2>\n<p class=\"p1\"><span class=\"s1\"><a href=\"https:\/\/www.vfcu.net\/contact\/\">Contact us<\/a><\/span>\u00a0for more information on any of our loans and apply to become a VFCU member today.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Does shopping for a car affect my credit score? Our local federal credit union wants to share how this happens and how you can afford to finance your vehicle.\u00a0You might be surprised that it does not always affect you badly. While some individuals expect that outcome, shopping for the best deals on auto loans can [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":6071,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[103,104,105,110,75,86,78,100],"class_list":["post-6070","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","tag-checking-account-harlingen","tag-credit-union-harlingen-tx","tag-federal-credit-union-harlingen","tag-harlingen-banks","tag-local-federal-credit-union","tag-personal-loans-harlingen","tag-valley-credit-union","tag-valley-fcu"],"_links":{"self":[{"href":"https:\/\/www.vfcu.net\/es\/wp-json\/wp\/v2\/posts\/6070","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=6070"}],"version-history":[{"count":0,"href":"https:\/\/www.vfcu.net\/es\/wp-json\/wp\/v2\/posts\/6070\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.vfcu.net\/es\/wp-json\/wp\/v2\/media\/6071"}],"wp:attachment":[{"href":"https:\/\/www.vfcu.net\/es\/wp-json\/wp\/v2\/media?parent=6070"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.vfcu.net\/es\/wp-json\/wp\/v2\/categories?post=6070"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.vfcu.net\/es\/wp-json\/wp\/v2\/tags?post=6070"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}