Loans. Fact of the matter is, most of us can’t achieve what we want without them. The key to avoid getting in trouble with loans is to borrow smartly. So what are some things to consider when looking for a loan?

  1. Do your homework. Identify the right kind of loan for what you want to achieve and then compare interest rates, potential fees like pre-payment penalties, and other associated costs.
  2. Understand your credit history and score. We know there’s more to each member’s situation than just his or her score, but it does have an impact on your rate or the type of loan you can get.
  3. Determine how much you can afford. Use calculators to estimate your monthly payment and possible up-front costs. And simply, be honest with yourself.

The smartest way to go? Vantage Credit Union, of course! Our loans offer:

  • Competitive rates
  • A variety of terms
  • No prepayment penalties
  • Automated and eBranch payment and loan management options

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