Require financing? We will place you into the motorist’s chair.
Simple loan process with great prices, many different terms, much less charges than many other loan providers.
Get authorized, or pre-approved, quickly to get on your way.
Our expert and friendly loan officers will allow you to know very well what choice will continue to work most readily useful you can visit one of our many partner dealers for assistance – click here for a full list for you or. They can finish your GECU loan documents directly onsite in the dealership.
In addition, you want to assist you to protect your payday loans South Dakota purchase that is new supply you with the solution to sign up for Payment Protection and fully guaranteed Asset Protection (GAP) on the loan.
GECU Graduate Car Finance System
Congratulations! You’ve worked difficult, now let us enable you to get on the path to success. Our Graduate car Loan Program provides graduates the possibility to purchase a car at a rate that is reasonable with small or no credit rating.
- Will need to have finished into the year that is last will graduate within the next six (6) months with a Masters, Bachelors, or Associates level from a certified U.S. University or medical school
- Provide a pay stub from manager verifying full-time employment or dedication page of work (must start employment within 60 times of agreement date)
- Minimum earnings of $1,400 every month
GECU First-Time Buyer Car Loan Program
Let’s assist fund your very first collection of tires – despite having minimal credit score! Our low prices and repayment that is flexible ensure it is because affordable as you can to fund your vehicle, plus you will be building a confident credit score in the act.
- Minimal six (6) months of work history; proof residence and income needed
- The least $1,400 each month
- No credit history that is adverse
- Two valid recommendations
Car Buying Service
Whenever you’re interested in your next automobile, take to GECU’s free Member Automobile Assistance Program (MAAP)! MAAP eliminates the guesswork by providing you the manufacturer’s proposed retail cost (msrp) on any car. This valuable information will assist you to negotiate a reasonable cost in your brand new car purchase. Documentation is going to be supplied containing details about:
- Factory invoice cost for base car
- Car or truck for base automobile
- Standard gear on base automobile
- Factory invoice cost for producer installed options and choice packages
- Car or truck for producer installed options and choice packages
- Cargo costs
- Predicted marketing expenses
Our representatives will also help you determine your car or truck trade-in value as well as sale value that is private. Furthermore, they are able to help you with contact information to the partner dealers and easy methods to negotiate using them.
Contact a MAAP agent today for aid in buying or selling a car!
APPLY NOW – It Is Easy!
- Apply online
- Check out one of y our partner dealers and apply onsite during the dealership
- Phone that loan officer at: 513.243.4328 or 800.542.7093
- Visit any branch location
We offer on line Banking and our app that is mobile to free of charge; nonetheless, message and information prices may use. Contact your solution provider for details.
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Residence & Land Loans
United Credit Union provides a number of mortgage loans, including fixed-rate and adjustable-rate very first mortgages and house equity loans. So that you can qualify, you have to live or operate in certainly one of our 16 counties, plus the home should be based in one of our 16 counties aswell. A summary of those counties can be seen by pressing right right here.
Very Very First Mortgage Mortgage
Think about UCU first whenever you are hunting for the house of one’s desires — we are able to help to make your fantasies come true, with financing that is tailored simply for you. Features covered:
- Residence purchase or refinancing of a home loan that is existing
- Terms as much as three decades
- Qualified applicant may borrow as much as 97% of purchase price or value that is appraisedthe smaller associated with the two) on purchase. (Loan-to-value might be reduced on specific kinds of domiciles. )
- Please demand current interest fee and rate information
- Select from fixed, 1 yr. Adjustable, 3 year. Adjustable or 5 year. Adjustable prices
Residence Equity Type Of Credit (HELOC)
Set up a UCU Residence Equity personal credit line and draw on it if you require funds for nearly any such thing: a young child’s university training, an innovative new vehicle or ship, home addition or improvements, a great getaway, Christmas time, or other things that your loan requirements could be. Interest calculated just regarding the quantity your debt. Other features consist of:
- Borrow as much as 90% of your house’s value minus first mortgage stability if very very very first home loan is held at United Credit Union or if no mortgage that is current. Borrow as much as 80% of your house’s value minus first mortgage stability if very very very first home loan is held at another loan provider.
- Just available on your own main residence
- Draw period of 5 years
- Minimal or no Closing Costs
- May use cash for nearly such a thing
- Readily available – on-line account access, TLC, phone plus in individual
- Adjustable rate centered on prime credit and rate worthiness, to not surpass 18% APR*
- Speed subject to adjustment monthly
- Credit lifetime can be obtained with this item (Not NCUA/NCUSIF insured)
Fixed Speed Residence Equity
You are looking for if you don’t need the flexibility of a line of credit and would like to have more interest rate stability, a Fixed Rate Home Equity loan may be just what. You nevertheless make use of your many powerful borrowing device to finance almost anything: a particular holiday, university training, bill consolidation, etc.
- Borrow as much as 90% of your property’s value minus first mortgage stability if first home loan is held at United Credit Union or if no present home loan. Borrow as much as 80% of your house’s value minus first mortgage stability if very first home loan is held at another loan provider.
- Minimal or no Closing Expenses
- Minimum loan of $2500
- May use cash for nearly any such thing
- Fixed price throughout life of Loan
- Price based on prime credit and rate worthiness
*APR = percentage Rate that is annual
UCU provides land loans. Whether you might be looking to purchase searching land or land for the next create, we possess the loan that’s right for you personally. If the land you want to buy or refinance is actually for personal use, please contact our Mortgage Department.
Construction Loans- Not Available
When you’re thinking about borrowing and you also’re thinking BIG, think about United Credit Union. You can expect affordable rates, versatile terms in addition to solution you can expect when creating one of several financing decisions that are biggest in your life. Aim to us first, and you’ll find a courteous, knowledgeable, expert staff willing to be practical.
To find out more, please e-mail our Mortgage Department or phone: 573-581-8651.