{"id":341,"date":"2022-04-21T13:42:38","date_gmt":"2022-04-21T13:42:38","guid":{"rendered":"https:\/\/www.tohefcu.org\/wph\/workarea\/?page_id=341"},"modified":"2025-06-06T18:04:07","modified_gmt":"2025-06-06T18:04:07","slug":"personal-loans","status":"publish","type":"page","link":"https:\/\/www.tohefcu.org\/wph\/workarea\/loans\/personal-loans\/","title":{"rendered":"Personal Loans"},"content":{"rendered":"\n<p>TOHEFCU has the perfect loan to suit your needs. We offer our members a wide variety of loans to get you through a rough month, consolidate your debts or give you some extra cash near the holidays.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Personal Loans<\/h3>\n\n\n\n<p>If an unsecured loan is the best borrowing option for you, try a low-rate TOHEFCU personal loan. This type of loan does not require any collateral and has a fixed payment and term, and a competitive rate.<\/p>\n\n\n\n<p>Make sure to watch for our Seasonal Specials!<\/p>\n\n\n\t\t\t<a  class='btn' href='https:\/\/onboard.cotribute.co\/flows\/953fe654-d07d-4edb-87de-80f804bd0065' target='_self' rel='noopener noreferrer'>Apply Here for a Personal Loan or Line of Credit<\/a>\n\t\t\t\n\n\n<h3 class=\"wp-block-heading\">Line of Credit Loan<\/h3>\n\n\n\n<p>A TOHEFCU Line of Credit Loan is our most convenient loan. Once you are pre-approved, you can get cash when you need it.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>An easy, convenient way to borrow for just about any reason imaginable<\/li>\n\n\n\n<li>Eliminates the need for Payday Lenders<\/li>\n\n\n\n<li>This is an open-end loan, so as you pay down your balance the funds become available to use again and again<\/li>\n\n\n\n<li>Easy to manage payments with competitive fixed rates<\/li>\n\n\n\n<li>No collateral required<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Overdraft Line of Credit Loan<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The Overdraft Line of Credit loan is designed to protect our member&#8217;s credit when they run a little short from time to time in their checking account<\/li>\n\n\n\n<li>Avoid costly return item fees and the embarrassment of returned items<\/li>\n\n\n\n<li>Limits can range from $500 to $5,000 based on credit worthiness<\/li>\n\n\n\n<li>Funds are automatically advanced when you don&#8217;t have enough to cover a check, ACH debit, Bill Pay debit, or Visa Debit card transaction.  You pay a small $2.00 fee for each overdraft advance.  <\/li>\n\n\n\n<li>Easy to manage payments with competitive fixed rates<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Bill Consolidation Loan<\/h3>\n\n\n\n<p>A TOHEFCU Bill Consolidation Loan allows you to pay off your high-interest debt and have just one low monthly payment. <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Simplify your bill payment and organize your personal finances<\/li>\n\n\n\n<li>Available up to $30,000 for as long as 84 months for qualified members<\/li>\n\n\n\n<li>A low rate of 9.9%<\/li>\n\n\n\n<li>Bring in your bills with your completed application and we&#8217;ll do the rest<\/li>\n<\/ul>\n\n\n\n<p>Remember all of our loans offer easy repayment through Payroll Deduction, Direct Deposit, or Automatic Payments. <\/p>\n\n\n\n<p>Ask us about Credit Life and Credit Disability Insurance to protect your family.<\/p>\n\n\n\t\t\t<a  class='btn' href='https:\/\/onboard.cotribute.co\/flows\/9de07dce-3dd1-4265-9df0-8c17a09f3d26' target='_self' rel='noopener noreferrer'>Apply Here for a Bill Consolidation Loan<\/a>\n\t\t\t\n\n\n<p><\/p>\n\n\n\t\t\t<a  class='btn' href='https:\/\/www.tohefcu.org\/wph\/workarea\/loans\/loan-calculators\/' target='_self' rel='noopener noreferrer'>Loan Calculators<\/a>\n\t\t\t\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"TOHEFCU has the perfect loan to suit your needs. We offer our members a wide variety of loans to get you through a rough month, consolidate your debts or give you some extra cash near the holidays. Personal Loans If an unsecured loan is the best borrowing option for you, try a low-rate TOHEFCU personal [&hellip;]","protected":false},"author":5,"featured_media":200,"parent":336,"menu_order":4,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_lmt_disableupdate":"no","_lmt_disable":"","footnotes":""},"class_list":["post-341","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Personal Loans - Town of Hempstead Employees Federal Credit Union<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Personal Loans - Town of Hempstead Employees Federal Credit Union\" \/>\n<meta property=\"og:description\" content=\"TOHEFCU has the perfect loan to suit your needs. 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