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Benefits of Obtaining a Personal Loan from a Credit Union

A personal loan can help you do so much: Pay off debt, finance a large purchase, start a business, and so much more. The benefits of obtaining a personal loan from a credit union, or even simply being a member of Georgia Heritage FCU, are priceless.

Let’s start with the basics…

When a Personal Loan Comes in Handy

A personal loan can help pull you out of a hole or make your dreams come true, depending on how you want to use it. Personal loans are especially ideal for:

  • Taking that dream vacation you’ve always wanted
  • Paying for unexpected tragic events, such as funeral costs
  • Starting a business
  • Consolidating debt
  • Medical treatments
  • Making large purchases, such as furniture and lawn care items for a new home

How a Personal Loan Works

With a personal loan, you borrow a certain amount of money and then repay it by a predetermined date through monthly installments. The minimum and maximum loan amounts vary with each bank or credit union, so ask your loan officer for specifics.

Although credit cards have their own advantages, the interest rate of a personal loan may be lower than that of a credit card. Your credit history is one of the factors that will determine the interest rate, but don’t let a low credit score deter you from trying to obtain that personal loan, as many resources are available to assist you. In fact, as long as you repay the loan on time each month, having a personal loan could even improve your credit score in the long run.

Benefits of Obtaining a Personal Loan from a Credit Union

The personalized touch is among the many benefits of obtaining a personal loan from a credit union as opposed to somewhere else. Employees of your local Georgia Heritage credit union know you, and you know them.

In addition, as a member of a credit union, you are a part owner, so you are essentially investing into your own personal loan. Credit union fees also tend to be lower than they are elsewhere.

In general, with a personal loan, you can also customize the repayment plan to meet your current and future needs.

Contact Us for More Information

For more information about how obtaining a personal loan from a credit union can be right for you, let us know what you need. We are here to answer your questions or to help you start the process of obtaining a personal loan. Step into one of our credit union branches in Chatham County to speak with one of our loan officers, or contact us through our Georgia Heritage FCU website or by phone at 912-236-4400.

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