Lifestyle Loan
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Flexible financing when you need it
At Envision Credit Union, we understand that life is full of opportunities and challenges. Whether you're looking to consolidate debt, fund a home renovation, or make a major purchase, our Lifestyle Loan offers the flexibility and affordability you need to achieve your goals.
With competitive interest rates and personalized terms, our personal loans are designed to help you succeed financially. Here's what you can expect:
- Rates as low as8.24% APR
- Loan amount ranging from $5,000 to$50,000
- Flexible terms up to 84 months
- Option for secured or unsecured loans
- Easy online application and fast approval process
Customized Loans to Fit Your Needs
At Envision Credit Union, we put you in control of your financing. Choose a secured loan backed by your savings account for even lower interest rates, or opt for an unsecured loan with just your signature and a credit check. Our knowledgeable loan officers will work with you to find the best solution for your unique situation.
Why a personal loan may be right for you
Personal loans offer a versatile financing solution for a wide range of expenses and projects. This one-time funding can help you achieve your goals, whether you're planning a dream vacation, renovating your home, managing medical bills, or consolidating your debts.
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Simplify Your Debt Management with Debt Consolidation Loans
Streamline your finances by consolidating your high-interest debts into a single, manageable payment with a competitive interest rate through a personal loan for debt consolidation.
Transform Your Space with Home Improvement Loans
Enhance your home's value and comfort with a personal loan for home improvements. Whether you're planning to stay or sell, you can finance remodeling, repairs, or upgrades to create your ideal living environment.
Finance Your Dream Wedding with Wedding Loans
Don't let financial constraints limit your special day. A personal loan for weddings can help you cover significant expenses and unexpected costs, ensuring your celebration is everything you've imagined.
Turn Travel Dreams into Reality with Vacation Loans
While not every trip requires financing, a personal loan for travel can help you fund that once-in-a-lifetime adventure or dream honeymoon, making your travel aspirations a reality.
Ease Your Transition with Moving Loans
Relocating can be expensive, whether you're moving across town or across the country. A personal loan for moving expenses can help cover costs like hiring movers or purchasing new furniture, making your transition smoother.
Navigate Life's Surprises with Emergency Personal Loans
Life can be unpredictable, and sudden costs or unexpected bills can strain your finances. An emergency personal loan can provide quick access to the funds you need to manage these challenges with confidence.
*APR: Annual Percentage Rate. Minimum Loan Amount is $5,000. Rates as low as 8.24% Annual Percentage Rate are available to qualified applicants who meet normal credit worthiness criteria; have a minimum credit score of 730. Extended terms of up to 84 months are available. All rates and terms are based on discounts and credit analysis. Envision Credit Union reserves the right to change the terms of or discontinue this offer at any time without notice. A $5,000 loan at 8.24% Annual Percentage Rate for 24 months results in 24 monthly payments of $226.68each.
Envision Credit Unionis a full-service financial institution with branches in Florida and Georgia.
Resources to help you
find what you're looking for.
Personal loans can be used for a variety of purposes, including debt consolidation, home improvements, major purchases, and more. With Envision's Lifestyle Loan, you have the freedom to use the funds however you choose.
Debt consolidation involves taking out a new loan to pay off multiple existing debts, such as credit card balances or other loans. By consolidating your debt with a personal loan, you'll have just one monthly payment to manage, often with a lower interest rate, making it easier to pay off your debt faster.
Personal loans often offer lower interest rates compared to credit cards, making them a more affordable option for financing large purchases. With a personal loan, you'll receive a lump sum of money to make your purchase and then make fixed monthly payments over the term of the loan.
You can easily apply for a personal loan online, by phone, or in person at one of our branch locations. Our loan officers will guide you through the application process and help you find the best loan option for your needs.
A personal loan is a type of unsecured loan that can be used for various purposes, such as consolidating high-interest debt, paying for home improvements, or financing a large purchase. Personal loans typically have fixed interest rates and repayment terms, making it easier to budget your monthly payments.
To qualify for a personal loan with Envision Credit Union, you generally need to have a good credit score, stable income, and a low debt-to-income ratio. Our loan officers will review your application and credit history to determine your eligibility and loan terms.
Interest rates for Envision Credit Union's personal loans start as low as 8.24% APR. The actual rate you receive will depend on factors such as your credit score, income, and loan term. We offer competitive rates to help you save money on your financing.
Yes, Envision Credit Union does not charge prepayment penalties on our personal loans. If you decide to pay off your loan early, you can do so without incurring any additional fees, potentially saving you money on interest charges.
At Envision Credit Union, we strive to make the personal loan application process as quick and easy as possible. In most cases, you can get a decision on your loan application within one business day. Once approved, funds can be disbursed to your account within a few business days.
When applying for a personal loan with Envision Credit Union, you'll typically need to provide proof of identity, proof of income, and information about your debts and assets. Our loan officers can guide you through the specific documents required for your application.
