Shop Smart for a Vehicle with our Local Federal Credit Union

Does shopping for a car affect my credit score? Our local federal credit union wants to share how this happens and how you can afford to finance your vehicle. You might be surprised that it does not always affect you badly. While some individuals expect that outcome, shopping for the best deals on auto loans can positively impact your score.

Did you know you get to see your credit score for free when you download our app? Read how below.

Credit Score Impact

Initially, you can minimize your credit by shopping within a short amount of time. According to the Consumer Financial Protection Bureau, applying for loans over a certain period can lower your credit score. Typically, these lenders check your score within 14 to 45 days and only count as a single inquiry, depending on the credit scoring model used.

Apply for an Auto Loan

With VFCU, getting an auto loan for your car is simple! There is 100% financing available. You can apply online, with refinancing available, and a low-cost extended warranty!

Plus, we have competitive rates compared to other Harlingen Banks:

• New auto loan up to 72 months as low as 3.90% APR.
• New auto loan up to 84 months as low as 5.25% APR.
• Used auto loans up to 72 months as low as 5.25% APR.
• Used auto loans up to 84 months as low as 6.25% APR.

Invest in Forever Car

Don’t forget about affordable coverage after getting a nice car with financing at VFCU.

Forever Car offers different coverage plans for your vehicle repairs. Forever Car benefits include:

● Licensed repair facilities

● Customized deductibles

● Convenient monthly payments

● Emergency roadside assistance

● Rental car and emergency travel

Enjoy More VFCU Benefits

Our local federal credit union and our mobile banking services help you worry less about your finances and take advantage of our services that help you keep track of your money.

Download our Mobile Banking App and enjoy:

● Zelle® money transfer

● Mobile Banking Deposits

● A Free Credit Score Review

● Online Banking and Bill Payments

Become a Member Today with our Local Federal Credit Union

Contact us for more information on any of our loans and apply to become a VFCU member today.