Greater Central Texas Federal Credit Union,
3305 E Elms Road
Killeen, TX 76542
Telephone: 254-690-2274
www.gctfcu.net

Low Interest Auto Loans At Greater Central Texas Federal Credit Union

7. January 2012 Administrator (0)

The Greater Central Texas Federal Credit Union is a Killeen based financial institution that helps provide cheap auto loans to those who wish to invest in a new vehicle. As cars these days can turn out to be quite expensive, we provide low interest auto loans that can help finance your vehicle to a significant extent. We offer different kinds of interest rates on our auto loans depending on your credit ratings and your loan history. If you have exercised good borrowing practices and repaid your existing loans in a timely manner along with the accumulated interest rates, you will be granted a loan by us in a matter of a few hours. The interest rates enjoyed by those who have a good credit history also tend to be much lower than those who have defaulted in their past loans.

We do not follow lengthy and complicated application procedures that can be quite a turn off for potential borrowers. On the other hand, we have a very simple screening process that you can even choose to complete online by logging onto our official website. A few necessary documents as prescribed by USA Patriot Act 2000 may be necessary so that we can positively establish your identity. The necessary documents can be mailed or faxed to the address provided on our website. We follow a set of pre defined parameters to determine the rate of interest that we are going to charge for each kind of auto loan depending on the price of the vehicle you wish to buy and the financial information provided by you. This is done in order to assess your ability to repay the auto loan that is being taken.

We also have special offers that allow you to avail discounts depending on the kind of credit card you hold. Master card and visa card owners can enjoy hefty discounts in auto loans as well as in other kinds of loans being offered by us. You can either apply for a secured or an unsecured loan depending on your particular needs.

For more details on auto loans in all credit situations, visit us at Greater Central Texas Federal Credit Union, 3305 E Elms Road, Killeen, TX 76542. You can also call us at 254-690-2274.

Cheap Auto Loan - Lowest Used Car Loan

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GCTFCU Blog | Questions To Ask When Applying For A Home Loan
Greater Central Texas Federal Credit Union,
3305 E Elms Road
Killeen, TX 76542
Telephone: 254-690-2274
www.gctfcu.net

Questions To Ask When Applying For A Home Loan

5. February 2015 Administrator Home Loans (0)
Buying a new home is an exciting experience; however, it is crucial to be alert while arranging home loan. You need to make sure that you get the best offer to get a good return on your investment. Greater Central Texas Federal Credit Union offers a variety of home loan services to their members at affordable rates without heavy credit checks. Although you need to understand all the variables, as they will decide the amount that you will pay.  

When you apply for a home loan, you may have many queries in your mind. It is always better to ask the questions to the home loan provider to address your concerns. You should pay attention to the details and make sure that you are satisfied with the answers before you sign the deal.

Some of the questions that you should ask include:

Types of home loans offered

This is probably the most important question that you need to ask the loan provider. Credit unions offer different types of home loans and you need to confirm that the loan that you are applying for suits your needs.

Rate of interest

You must ask about the rate of interest charged to check if you can afford it. The rate varies and members can negotiate the repayment terms.

Queries about the application process

You should ask about the application process and the forms that you would be required to fill. Also, enquire about the documents that you may need to provide for approval such as proof of income, etc. This will ensure that the application process is hassle free and quick.

If you are eligible or not

Before applying for the home loan with a credit union, you must assess your needs and ensure that you are eligible. Your ability to repay your debt may decide your eligibility, as the home loan is a big commitment. The credit union can check your income, other debts and expenses before they approve the loan.

Repayments amount and terms

Depending upon the amount that you borrow the credit union will inform you about the repayment amount. You may be required to repay weekly, fortnightly or monthly and you can discuss the terms with the agent.

Inquire about application fee

Although the credit unions often do not charge any application fee; however, you must confirm it beforehand. Whatever queries that you may have regarding your home loan you should make sure that you discuss with a representative and clear your doubts.
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