Search Results | Virginia Credit Union

Showing 90 results for 'pay loan'

Rates
https://www.vacu.org/why-vacu/rates
… Rates Loan Rates Say goodbye to high monthly payments. Our loan … or paid off within 36 months of opening it, you will pay a reimbursement fee equal to the amount of closing costs … can make about points. You can decide you don’t want to pay or receive points at all. This is called a zero point …
Construction Loan FAQs
https://www.vacu.org/help/mortgages/construction-loan-faqs
… Construction Loan FAQs What types of construction loans does VACU offer? … loan, part of the construction loan may be used to pay off the land loan. Do I have to find the builder, or do … you’ve selected. How do I use the construction loan to pay the builder? We use a digital platform called Built to …
Loans
https://www.vacu.org/loans
… a car, truck, or SUV, we can help with a low-rate loan. Learn more about car loans Apply now Rates as low as … in your home to work for you, with either a home equity loan (lump sum) or home equity line of credit (use whenever … % APR ? Personal Loans Receive a lump sum that helps you pay for larger purchases when you need money quickly. We also …
Home Equity FAQs
https://www.vacu.org/help/mortgages/home-equity-faqs
… in a home equity line of credit and a home equity loan? A home equity line is an open line of credit. You are … for 36 months after the opening date. What happens if I pay off or close my home equity loan within 36 months? If you pay off your home equity loan or close your home equity line …
What is the best mortgage loan for me?
https://www.vacu.org/learn/your-home/mortgages/what-is-the-best-mortgage-loan-for-me
… What is the best mortgage loan for me? Not sure which loan is best for your situation? … Loan Term A loan "term" is how many years it will take to pay off your mortgage. 30-Year Term Points to consider with a … term You may have a somewhat higher interest rate You'll pay more interest over time 15-Year Term Points to consider …
Supercharge Your Debt Payoff Strategy with Principal-Only Payments
https://www.vacu.org/learn/your-credit/debt-management/supercharge-your-debt-payoff-strategy-with-principal-only
… payments. Not only can principal-only payments help you pay off your debt faster, but they can also save you a … that go straight toward the principal balance of your loan. Typically, your monthly loan payment is split between … time. The less principal you owe, the less interest you’ll pay, meaning more of your hard-earned money stays with you. …
Personal Lines of Credit
https://www.vacu.org/loans/personal-loan-options/personal-lines-credit
… all the way up to your approved limit. Best of all? You pay interest only on the amount you owe. Apply now Rates as … transfers of your funds Monthly payments as low as $25 Pay just 2.5% of your balance or $25 monthly – whichever is … limit Minimum payments and due dates shown on statements Loan payment protection Low monthly payments Avoid fees with …
Steps to Get Out of Debt
https://www.vacu.org/learn/your-credit/debt-management/steps-to-get-out-of-debt
… great to knock a debt off the list! Refinance your current loan. If you’ve improved your credit over the life of your … secure a lower monthly payment, that frees up cash flow to pay down other debt. You can talk with your credit union … calculator to estimate your savings. 3. Level up: Pay toward the principal of your loan If you’re ready to …
Car Protection & Insurance
https://www.vacu.org/services/insurance-protection/car-protection-insurance
… never recovered. With affordable GAP, you won’t have to pay the difference between insurance proceeds and the balance of your loan. In the first few years of ownership, your loan balance … or stolen, your insurance company will typically only pay Actual Cash Value of the vehicle. You will be responsible …
Mortgage FAQs
https://www.vacu.org/help/mortgages/mortgage-faqs
… What is a point? A point is equal to one percent of the loan amount. For example, if you get a mortgage for $100,000 with one point, you'll pay $1,000 in points as part of your closing costs. We have … rates and point options. For example, you can choose to pay zero points by accepting a higher interest rate. By …
Loan Consolidation Calculator
https://www.vacu.org/learn/your-credit/debt-management/loan-consolidation-calculator
… Loan Consolidation Calculator Streamline your debt with strategic loan consolidation. Estimate your consolidation savings and … More Resources Loan Payoff Calculator Find the best way to pay off your loan with our Loan Payoff Calculator. Explore …
Types of Financing
https://www.vacu.org/learn/your-car/car-financing/types-of-financing
… monthly payments. With a Virginia Credit Union car loan, there is no penalty for paying off your loan early. Our car loans are calculated using the "simple … rate. This means that interest is pre-computed, and if you pay your loan off early, you are entitled to only a portion …
How To Know When to Refinance Your Home
https://www.vacu.org/learn/your-home/refinancing/how-to-know-when-to-refinance-your-home
… step is understanding how refinancing works. How home loan refinancing works Refinancing a mortgage means replacing … having your home appraised, and using the new loan to pay off the old one. Refinancing can be a powerful tool for … How much equity you have in your home Whether you have to pay for Private Mortgage Insurance (PMI) How long you plan to …
Can’t Make Your Next Credit Card or Loan Payment? Here’s What to Do
https://www.vacu.org/learn/your-credit/debt-management/cant-make-your-next-credit-card-or-loan-payment-heres-what-to-do
… Can’t Make Your Next Credit Card or Loan Payment? Here’s What to Do Unexpected events can often … scary to know what to do. Often, when we can’t afford to pay our bills, we panic and ignore the problem, but that can … can’t make a minimum payment, how much can you afford to pay? How long do you anticipate having trouble? Has a …
How to Start Building Credit
https://www.vacu.org/learn/your-credit/your-credit-report/how-to-start-building-credit
… of time in occupation or current job when determining your loan worthiness. Open a small loan or credit card If you … use it is for one purchase or event that you know you can pay off each month when the bill comes. Pay off your balance each month Pay your balance in full and …
How to Buy a Car: 5 Essential Steps
https://www.vacu.org/learn/your-car/car-buying/how-to-buy-a-car-5-essential-steps
… lifestyle. So, where do you start? 1. Determining your car loan down payment While it is possible to buy a car with no … 2. Understanding your auto financing The total amount you pay for a car depends on the price, the annual percentage … making a large down payment, it may be more affordable to pay higher financing charges on a car that is lower in price …
Contact Us
https://www.vacu.org/contact-us/mortgages
… Mortgages Credit Cards Debit Cards Online Banking & Bill Pay Collections & Recovery General Contact For questions about getting a VACU mortgage loan Call: 800-285-6609 Call to get started 24 hours a day, … or concerns regarding the servicing of your mortgage loan Call: 855-752-8459 Call Monday - Friday: 8:30 am to 12 …
10 Savings Strategies
https://www.vacu.org/learn/financial-management/saving-and-investing/10-savings-strategies
… strategies to help you grow your savings and keep at it. Pay yourself first. Treat your savings like a bill. By setting a fixed amount aside, either monthly or each pay period, you’ll be surprised at how fast your savings can … goal. Pay installments to yourself. After you pay off a loan, like a car loan, continue to make “payments” by putting …
Are You Ready to Buy a Home?
https://www.vacu.org/learn/your-home/home-buying/are-you-ready-to-buy-a-home
… loans, etc.)? Is it manageable? Can I afford to pay a mortgage and other home expenses, such as insurance, … again. When you rent a home or apartment, the money you pay as rent is an expense. On the other hand, owning a home … you know what to expect. Here's a guide to our mortgage loan process. What is the best mortgage loan for me? Not sure …
How to Get Pre-Qualified for a Mortgage
https://www.vacu.org/learn/your-home/mortgages/how-to-get-pre-qualified-for-a-mortgage
… mortgage. A pre-approval requires you to submit a full loan application and multiple financial documents. The … enable you to: Learn if you can qualify for a mortgage loan and how much house you can afford Gain insights into … require lots of documentation to confirm that you can pay back their loan. For the initial pre-qualification …