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Financially Fit

Borrowing Money

When it comes to borrowing money or taking out a loan, you want to make sure that you are educated on all of the options available to you.  This section will provide you with information on different ways that you can borrow money and how they can be applied to your financial situation.

When is the Right Time to Refinance your Car Loan?

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In the following blog, we have outlined a few factors that might indicate when it’s the right time to think about refinancing. Review these factors and move towards reducing those pesky monthly payments and save some money!

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The Payday Lending Trap

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Getting a loan with a payday lender could send you down a deep hole that may take years to get out of.

Here’s how payday lenders catch and hold consumers:

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One for the Money: Financing Your First Car

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Are you thinking about how you're going to pay for your first car? You could get it:

* As a gift or hand-me-down within your family
* With cash you earned from your job
* With an interest-free loan from your parents

But what if none of these options are open to you? You could get a loan. Here's how:

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Peace of Mind: Certified Used Vehicles

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What's a certified pre-owned vehicle? Factory-trained technicians thoroughly inspect and recondition a slightly used vehicle to meet manufacturer specifications. When the vehicle is up to snuff, it's certified as an automobile worthy of many of the same assurances that auto makers put on new cars, with manufacturer warranties lasting anywhere from three months to seven years.

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Understand Your Loan Options

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There are many different types of loans. So many, in fact, you may actually be overwhelmed. First, it is important to understand what credit unions look for and require when lending and then understand what options credit unions may have to meet your financial needs.

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What is a HELOC?

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A HELOC, or home equity line of credit, is a great tool that allows homeowners to borrow against the equity they have built up in their home, and use the proceeds to help cover expenses.  The following article will answer some common questions associated with HELOCs and its uses.

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