Rates range between 5.24% to a maximum APR rate of 32.24%.
Repay a personal loan in a minimum of 3 months to a maximum of 60 months. Must be a new personal loan not a refinance of a VACU loan to receive the discounted rate. Listed APRs assume excellent credit, a 0.5% discount for an automated payment method approved by us, and a 3.0% discount for personal loans. Your APR will be determined based on our internal credit criteria. Minimum and maximum loan amounts or credit limits apply. Handle the unexpected with a personal loan up to $50,000. VACU also reserves the right to decline any balance transfer request and may decline any that exceed the available credit limit. View our Disclosures for Special Offers or Card Agreement & Disclosure Statement for more information. VACU is not responsible for any charge owed to any creditor because a payment was not applied by a specific date. If payment is ever 90 days or more past due the promotional APR is forfeited and reverts back to the purchase and balance transfer APR then in effect and applies to the entire outstanding promotional balance. We will begin charging interest on balance transfers on the transaction date.
After that, the APR changes to the purchase APR and balance transfer APR in effect, which is currently 11.24% to 22.24% variable APR for Essential Mastercard 13.24% to 24.24% variable APR for Cash Rewards Mastercard and 15.24% to 26.24% variable APR for Flex Rewards Mastercard as of 06/01/22 and subject to change. Purchases made and balances transferred within 60 days of card opening retain a promotional APR for 18 months from card opening date. Which promotional APRs for purchases and balance transfers that a qualified member receives is based upon such member’s standard APRs for purchases and balance transfers.
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