CONSUMER LOAN RATES AND TERMS
Effective July 19, 2022
All Rates Are Annual Percentage Rate (APR)
Welcome to Howland-Enfield FCU’s loan page. Here is a place where members help each other by offering modern financial solutions on any occasion. We provide a full range of loan options to meet all our members’ needs. You’re not a customer or a client. You’re an owner, a part of our huge family tree. Therefore, our products are not just traditional loans. They are different because we care.
You’re welcome to cover any of your personal needs, whether it is unexpected expenses, a new home renovation project, starting your own business, or covering your tuition fee. Our personal loans are unsecured, so there is no collateral backing required. Discover our reasonable rates and flexible terms and experience a new level of financial assistance.
Howland-Enfield FCU offers competitive vehicle financing options, whether it is a new or a used auto stuck in your mind. We offer up to 90% financing with repayment terms of up to 84 months. Our goal is to make the car you want the one you can afford without financial stress.
Home Equity Loans and Lines of Credit
Your home may be a key to your financial goals if you let it work towards reaching it. Our home equity loans and lines of credit offer low interest rates and flexible terms for your stress-free borrowing experience. Bad credit members can also be considered.
Cover your tuition fee or any other expenses that come with your college education. Make the best investment for your future and let yourself become the person you’ve always wanted to be. We also offer joint student loans, so your spouse, relative, guardian, or friend can be a cosigner if your credit or income is not enough.
Green Home Energy Loans
Cut your energy use, get benefits, and discover a new level of comfort by making your house energy-efficient. Even if your climate-friendly home improvement project is quite expensive and hard to bring to life without additional help, our loans’ fixed low rates and beneficial conditions are always of service.
We strongly believe you deserve a break. Let yourself go towards bright impressions without worrying about how much your dream vacation costs. Our vacation loans allow you to cover all the expenses you may face, from accommodation to food and fare.
The exact interest rates depend on your credit score, income, debt-to-income ratio, and overall creditworthiness. You’re welcome to pre-qualify without affecting your credit score to find out what amounts, terms and rates can be offered to you today.