Climb out of holiday debt - or any kind of debt!
You decked the halls and played Santa all season long! And your wallet knows it. While we all enjoyed the hustle and bustle of the holiday season, it’s time to cure that holiday debt hangover. RVCU is here to help plan and strategize. Plus, we can help you to begin to plan for success for the next holiday season starting now!
Here's how you can get out of debt and save for fun throughout the year.
Apply for a Low-Interest Personal Loan
Matching pajamas, ugly sweater contests, and other tidings of comfort and joy can add up. By the end of the season, you may have payment plans in several different places or credit card balances with astronomical interest rates. If this is you, we recommend applying for a personal loan at RVCU! This allows you to pay off all of that debt with one loan, and then make one single payment with a lower interest rate than your existing debt. With RVCU, you can borrow the amount you need and you can choose how long you will have to pay it back. With our flexible terms, it's all up to you. This one stop shop for payments is easier and will help you pay off debt faster!
Visit us online for more information on how to apply.
Refinance Your Vehicle Loan
Sleigh all day and all season long? RVCU has several vehicle loan options that allow you to keep your ride while saving money and paying down debt.
First, consider refinancing the auto loan that you’re already paying. Doing so could help you lower your interest rate and reduce the amount you owe each month, putting a little more money in your pocket to put toward debt. Right now, interest rates at RVCU are lower than ever and easy to apply for.
Do you need cold hard cash to pay off leftover debt? Taking out a loan on the car you’re already driving is a great option as well. Through this program, you get to keep your vehicle, receive cash, and pay off outstanding debt.
Consider refinancing or taking a loan out on your vehicle with interest rates as low as 2.99%*. Apply online today!
Open a Savings Account for Next Year
Save now, Santa later! Start 2022 off right so you’re ready for all the fun you’ll have next holiday season! Your future self will thank you! Open up a specific savings account specifically and schedule regular deposits to help you during the 2022 holiday hustle. Open a savings account with RVCU by applying online today.
For next year, we also highly recommend setting a budget because you are less likely to overspend if you set one. Do you need help starting one? You can reach out to our Member Contact Center using our chat feature during regular business hours, complete our online form or call (815) 282-0300 for help.
*OFFER NOT AVAILABLE ON EXISTING RVCU LOANS. OFFER IS FOR NEW LOANS ONLY. MAY NOT BE COMBINED WITH ANY OTHER OFFER. OFFER SUBJECT TO CHANGE WITHOUT NOTICE. RATES DISCLOSED ARE EFFECTIVE AS OF JUNE 16, 2022. 1. APR = Annual Percentage Rate. Credit approval required. Your APR may vary based on creditworthiness, loan amount and term of loan and vehicle. A $35,100.00 loan at 2.99% for 60 months would require 59 monthly payments of $630.55 and a final payment of $628.98, finance charge of $2,732.70, for a total of payments of $37,831.43. The amount financed is $35,100.00, the APR is 2.99%. 2. Credit approval and initial $25 deposit required. Federally insured by the NCUA.