Loan Products. a hand that is helping You Want It Many!

Loan Products. a hand that is helping You Want It Many!

Automobile (Applied and Brand New)

Ray Federal Credit Union saves your money by providing the rate that is best around on auto loans. Our staff is focused on providing fast solution to save your time, also cash. We now have guide values for utilized vehicles and pricing that is invoice brand new automobiles. Click the link for NADA book.


Much Better Than Payday Loan

Conventional cash loan services and products may charge as much as 400per cent APR, and then leave you in an economic bind; frequently requiring one to simply just take another loan out at another high rate of interest.

We have all an intermittent emergency that is financial. If you want cash for a brief period of time, a Ray FCU much better than pay day loan may be best for your needs. Our loans are an affordable substitute for conventional high-rate payday loan providers because we don’t charge excessive rates or fees. Just click here to put on now or see any branch.

  • Borrow from $300.00 to $1,000.00
  • No credit check
  • In advance application cost of $45.00 (might not be deducted from loan quantity)
  • Terms as much as a few months
  • Limit of 3 PALs per 6-month period
  • No pre-payment charges
  • No security needed
  • Should be a Ray FCU user for at the very least 60 times
  • Needs 2 many present paystubs or present SSI Award Letter
  • Needs Direct Deposit
  • could be qualified to receive waiver if company doesn’t provide direct deposit

    Bigger loans can be at the mercy of credit approval and may even change without warning. Limitations may use. Re Payment starts thirty day period from agreement date. Loan balance should be paid in complete before another loan could be taken. No roll-overs available. See your loan contract for complete terms and disclosures.

    Signature Loans

    Have the cash you may need now. Quick, affordable, and versatile, a Ray FCU unsecured loan could be the perfect solution for those expenses that simply can’t wait.

    With prices as low as 7.00% APR, signature loans can be utilized for:

  • Auto or Home Fix
  • Furniture or Appliances
  • Healthcare or Dental Costs
  • Getaway or Travel
  • Any purpose that is good
  • Just click here to put on now.

    Crisis Loans


    Welcome and many thanks for learning more about Ray FCU’s crisis Loan Program.

    An unanticipated event or emergency cost can change your allowance upside down. The crisis Loan Program from Ray Federal Credit Union offers an easy, affordable solution to get the money you will need to assist get back in your legs.


    A alternative that is smart expensive payday advances or higher expensive personal credit card debt, our crisis loans enable you to borrow from $500.00 to $1,000.00, without any security, a set interest, and a decreased fast payday loans Oklahoma, $45.00 loan origination charge.

    Prices start at only 12.00% whenever you start a Ray FCU bank account and arranged direct deposit of the paycheck or SSI earnings.


    Your rate that is actual will determined centered on your credit history, and will start around 12.00% to 18.00per cent. To qualify, you have to additionally be constantly used by the employer that is same at least 6 months, working at the least 20 hours each week. Enough income can be required and you’ll be expected to offer a paystub that is current. Retirees on fixed income may meet the requirements centered on earnings demands and credit rating.


    Click Apply Now to begin the job and make certain to reference “Emergency Loan” within the personal bank loan Information section. For those who have any concerns, we are right here to aid at (520) 363-5681.

    Skip A Pay

    Year to help with your cash flow and budget, you may be able to skip your loan payment up to ONE (1) time during each calendar. This offer is a good solution to release money for getaways, back into college shopping, the holiday season, or whenever you need some cash that is extra. You decide on the that work best for you month.

    Here’s how it functions!

    Submit a Skip A Pay Request Form at least 15 times prior to the re payment date associated with loan you intend to skip. The Skip the Pay demand Form must certanly be finalized by all borrowers/co-signers from the loan. There was a $25.00 processing cost for each loan this is certainly eligible that is skipped. Costs must certanly be compensated by cash, withdrawal or check from your own account. Charges may not be put into the mortgage. May very well not skip one or more (1) re payments within a 12 thirty days duration per loan. At the least three (3) re payments should be made within skips. Skipped re payments can’t be for consecutive months.

    Listed here qualifications shall apply:

    All loans that are existing be current and compensated as much as date without any delinquencies more than 10 days into the past a few months. All share and share draft records must be in good standing without any negative balances. You really must have made at the very least 6 complete monthly premiums on the loan you intend to skip re payment on. Offer is just good on automobile loans, leisure loans and unsecured loans. May possibly not be utilized on real estate loans, share secured finance, or Payday Alternative Loans. Offer just isn’t available on newly disbursed loans. Loans increasingly being compensated by CUNA impairment insurance aren’t qualified. On qualifying loans, interest will continue steadily to accrue throughout the waived re re payment period. The $25.00 processing cost WILL NOT lessen the major stability for the loan.