consolidating debt blog

The holidays are over, the presents unwrapped, decorations packed away, and now the anxiety of how to pay off all the Christmas financial obligations begins to set in.

If you splurged a little in December and now find yourself struggling with expenses, and the bills keep arriving, give us a call to set up an appointment to speak with one of our professional lending officers. We can put you in the driver's seat with a personal loan that can help you finance whatever you need. Whether you're thinking about consolidating all your debt or dealing with post-holiday buyer's remorse, we can help you with a low-interest loan and terms you can handle.

Our personal loans offer various financing options, low monthly payments, no prepayment penalties, a straightforward application process, and local, quick decisions. Right now, a $1,000 loan with a 7.25% APR* means a monthly payment of only $86.64 for 12 months. What could be easier? Of course, all rates and the APR may differ depending on your terms and your individual qualifications.

VacationLand also has another excellent option for getting out of debt. Consolidating your existing credit card debt onto our low-interest VacationLand Visa® card will help you start saving interest dollars today. During our Credit Card Balance Transfer Special, you can transfer balances from other high-interest credit cards to our low-interest card and save money, pay off debt faster, and start the New Year off right. You can even transfer balances from merchant and retailer cards such as Kohl’s or Old Navy. Hurry, because our Credit Card Balance Transfer Special ends February 28, 2021.

Another easy way to avoid buyer's remorse is to plan ahead. A VacationLand Christmas Club Savings Account allows you to set aside some money monthly or every payday so that your balance can grow for the 2021 gift-giving season. When the holidays roll around, the funds will be waiting for you... and your gift list! You can even use our payroll deduction or direct deposit options to meet your savings goals faster and easier.

While you might not be able to pay off all your loans right now, why not begin by attempting to reduce the amount of your debt with our help. It's no fun worrying about paying off all those bills after the New Year has arrived, so we'll do our best to keep you happy the whole year through. Happy New Year and stay safe!

*APR= Annual Percentage Rate. All loans are subject to credit approval. The rates and APR may differ depending on term and individual credit qualifications. Please contact the Credit Union for additional rate and loan product information.