Loans

With a vehicle loan from our credit union, you have a money-saving alternative to high cost dealer financing or restrictive manufacturer financing terms. Whether you are in the market for a new or used vehicle, we offer great rates on loans for both new and used vehicles. Contact us and we’ll be glad to answer any questions you may have about car pricing, loan rates and the application process.

If you have already picked out a vehicle from a dealer or private seller, you’ll need to provide:

• The 17-character Vehicle Identification Number (VIN) for the vehicle
• The exact mileage on the vehicle
• The state where you will register the vehicle
• Dealer or seller’s name
• Amount to be financed (including vehicle purchase price, taxes, tags, title, GAP and warranty, less any down payment)
• Proof of Insurance with Virginia State University Federal Credit Union listed as lien holder
• Term of the loan

If you are still car shopping but want to get pre-approved for a loan to buy from a dealership,you’ll need to provide:

• Trade-in information if applicable
• Amount you expect to finance (including vehicle purchase price, taxes, tags, title, GAP, and warranty, less any down payment)
• Term of the loan

---

Auto loan refinancing may be the ideal way for you to reduce your overall costs of car ownership. If you currently have an auto loan, and you feel as though your payment is just too high, we may be able to help you reduce your monthly payment. It’s time to start saving some money on that auto loan.

What You’ll Need to Apply for a Refinance Auto Loan:

• The 17-character Vehicle Identification Number (VIN) for the vehicle
• The exact mileage on the vehicle
• The state where you will register the vehicle
• The following lender information:
  • Name of Lender
  • Lender’s Phone Number
  • Your Loan Number with Lender
• Payoff Amount (suggested 10 day payoff)
• Upon approval, Proof of Insurance with Virginia State University Federal Credit Union listed as lien holder

---

In addition to your auto loan, our credit union can finance your motorcycle at a great rate, with the same great service that you expect from your credit union. The same payment options and optional insurances apply to this loan as well!

---

VSU FCU Will Meet Your Needs Full Circle!

The 360 loan is a seamless fix when it comes to financing larger purchases and costs such as deck repairs, flooring, windows, roofing, HVAC and more. Designed with making your money move with you in mind. We have accommodating rates as low as 7.99%, borrowing up to $25,000. All you need is to present last income verification, receipts/invoices for purpose of the loan.

360 loans are perfect for:

• Deck Repairs
• Flooring
• Tree removal
• Landscaping
• Add-ons
• Windows
• Roofing
• HVAC
• And more!

Details:

• Rates as low as 7.99%
• Credit limits from $500 to $25,000 based on credit qualifications
• Flexible terms up to 7 years
• Maximum term will be 84 months. (72 months allowed for amounts over $15,000 and 84 months for amounts over $20,000.)

*360 loan: APR = Annual Percentage Rate. The following payment examples are based on a $25,000.00 loan. With a term of 48 months: $610.26 at 7.99% APR. With a term of 72 months: $438.27 at 8.49%APR. With a term of 84 months: 402.17 at 8.99%APR. Lowest rate available with qualifying credit. Your rate is based on creditworthiness.

---

Let VSU Federal Credit Union help clean up your finances too!

Apply for a loan at VSU Federal Credit Union for:

• Consolidating Debt
• Home Improvements
• Landscaping Projects
• Back to School
• Special Events
• Vacations
• Weddings
• Car repairs
• Unforeseen bills

Apply by calling 804-526-6708, email info@vsufcu.org or by filling out the online application below.

---

Secured loans are a great option to help you build your credit or make a purchase without dipping into your savings. As the loan balance decreases, the funds pledged also decreases.

Share secured loans are offered at 6.00%*. Best of all, you still earn dividends on the funds in your account – while being able to borrow against the balance at the same time!

Apply by calling 804-526-6708, email info@vsufcu.org or by filling out the online application below.

---

Consolidate your debt with a Balance Transfer Loan

Do you have credit card and unsecured loan debt from other financial institutions that you need to consolidate?

Look no further!

We have rates as low as 7.99% APR* and some of the best terms around. Save money and time by having one low monthly bill!

Apply Today at VSU Federal Credit Union!

*Annual Percentage Rate designated as APR. Example $10,000.00 at 7.99% over 48 months would equal a payment of $244.08. Actual loan terms, amount and rate may vary because of credit history and other factors. Current VSU Federal Credit loans not eligible for refinance.