个人贷款
A personal loan is a type of unsecured loan that requires no security or collateral. 贷款的利率和期限是固定的, 哪个能让你每月都有固定的付款. 借的钱可以用于任何目的, 包括去度假, 婚礼庆典, 支付医药费, 紧急情况下, 或者只是手头有额外的现金. Personal loans are easy to apply for and, once approved, your money can be available the same day! There are no upfront fees and we offer flexible repayment terms at fixed low rates.
因为这是一种封闭式贷款, 你可以在规定的时间内还清贷款, which provides you with the ability to better manage your monthly bills and your debt. (这不像 债务合并贷款, which allows you to consolidate all your credit card bills into one, 更快还清债务, 而且利率更低!)
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利率
个人贷款产品
| 术语 | 低至APR¹% |
|---|---|
| 1 - 12个月 | 5.99% to 17.99% |
| 24里面几个月 | 12.30% to 17.99% |
| 技能月 | 12.35% to 17.99% |
| 37-48月 | 12.40% to 17.99% |
| 49-60月 | 12.45% to 17.99% |
| 61 - 72个月 | 14.45% to 17.99% |
| 73 - 84个月 | 16.44% to 17.99% |
| 术语 | 低至APR¹% |
|---|---|
| 1 - 12个月 | 2.99% to 17.95% |
| 24里面几个月 | 8.70% to 17.99% |
| 技能月 | 8.75% to 17.99% |
| 37-48月 | 8.80% to 17.99% |
| 49-60月 | 8.85% to 17.99% |
| 61 - 72个月 | 8.95% to 17.99% |
| 73 - 84个月 | 9.34% to 17.99% |
1年费率. 对于所有贷款, the actual annual percentage rate is determined at the time a credit decision is rendered and may be higher than the lowest rates available. Credit history, loan terms, and the amount borrowed are all factors that determine the rate. 并不是所有的借款人都有资格获得最低利率. There are NEVER any prepayment penalties for repaying your loan early. 所有贷款均须经信贷审批. 截至本披露日期，最优惠利率为8.截至2023年1月9日，年利率为50%.
*此报价不适用于内部再融资.
为您提供更多金融工具
个人信用额度
Get a credit line of 到 $50,000 to pay for ongoing projects and expenses. 只对你使用的资金支付利息!
债务合并贷款
Simplify your life by paying off other debt so you have just one monthly payment. 获得长达84个月的固定利率.
个人贷款常见问题
Qualified applications can borrow 到 $50,000 with terms 到 an 84 month repayment period. The amount and term of your personal loan will be decided based on your financial situation, 包括你可核实的收入和信用记录, 什么对你来说最合理.
– 贷款的利率和期限是固定的, which provides you with a set monthly payment
-没有贷款费用或提前付款罚款
-贷款不需要抵押品
-使用可以使用资金，但你喜欢
– Once approved, your funds will be available to you in the same day
– You can have the loan payment conveniently deducted from your checking account
Personal loans and 信用卡 are both lending options provided by the credit union. Personal loans are structured with a specific term – a period of time you are given to pay off the loan. This balance can be paid in full through equal monthly payments that go toward both principle and interest. 此外, 信用卡 are considered a revolving line of credit and do not come with terms – there is no specific time the balance needs to be paid in full. Credit cards at gpk电子游戏官网 offer an interest-free period and require a minimum payment each month when there is a balance. You are offered a credit limit and can make ongoing purchases, cash advances, and balance transfers. For both 信用卡 and all our loans, we offer a 信用保障计划
作为一个负责任的金融伙伴, gpk电子游戏官网 is committed to making sure we have safe and ethical lending practices. 这意味着当您申请GPK电子游戏的贷款产品时, we do a thorough financial review to ensure that granting the loan does not put you in an uncomfortable financial situation. Your credit score and income tell a story on your ability to manage your finances and your commitment to paying money owed. It also helps us determine the amount we can lend to you and at what rate.
你可以通过以下三种方式之一申请:网上申请, 请致电415-775-5377, 或者到GPK电子游戏的分支机构参观.
The term of the loan is the length of time you are provided to pay back the funds borrowed. GPK电子游戏提供的期限从61天起 到 84个月.
No, gpk电子游戏官网 does not charge a pre-payment penalty. We encourage our members to increase their monthly payments or make additional payments when they can. This will help reduce the balance quicker and save on interest you pay.
Personal loans are great if you need additional cash flow for specific items. 例如, 如果你需要修理你的车, 购买一件大件家居用品, 支付婚礼费用或借钱给亲戚, 你可以申请个人贷款. These loans are unsecured, meaning there’s no need for collateral.
Debt consolidation loans are specifically designed to help you pay off a lump sum of debt, whereas personal loans are for when you need cash for a variety of reasons.
如果你正在考虑债务合并, you want to be sure that it’s the right choice and that you select the best loan for your financial situation. Remember, debt consolidation loans are great for doing what their name implies, consolidating debt. 只有当你需要现金流时才选择个人贷款.
Some of our lending products, like closed-end loans, are available to non-permanent U.S. 居民, contingent upon review of current work permit/visa. Certain loan terms will be determined by visa/permit expiration.
GPK电子游戏 欲了解更多信息或致电 415.775.5377