Porque a todos nos viene bien un descanso de vez en cuando
Incrementa tu liquidez cuando te haga falta con un pago diferido en tu préstamo, y aprovecha los fondos en las próximas vacaciones, compras navideñas, gastos educativos, facturas inesperadas, ¡lo que sea! El Pago Diferido te da la opción de aplazar hasta dos pagos mensuales al año en cualquier crédito que califique*, y lo mejor de todo es que el pago diferido no afecta el historial de crédito.
Aplaza hasta dos pagos al año en tus créditos de auto, personales, garantizados por ahorros o línea de crédito sin colateral.
Con el pago de un pequeño cargo de procesamiento, puedes hacer esos pagos más tarde y usar el dinero extra como desees ahora.
Los pagos diferidos son añadidos al final del crédito sin afectar tu historial de crédito.
Completa la solicitud, selecciona los meses en los que deseas diferir el pago y preséntala al menos 5 días antes de la fecha de pago.
¿Necesitas uno o 2 meses de descanso del pago de tu préstamo?
Para eso ofrecemos nuestro programa de pago diferido. ¡No importa si lo solicita para tomar un descanso merecido o simplemente para juntar fondos, estamos para ayudarlo!
* This is a fixed rate and will remain the same during the entire life of the loan. Loan approval is based on a credit and repayment ability evaluation, and it is possible that you may not qualify for this loan. Loan disbursement subject to proof of purchase or invoice of the green product. Available only for members and improvements in the United States.
** APR means annual percentage rate. This is a variable indexed rate based on the Prime Rate published by The Wall Street Journal. Using that rate as reference and, as it fluctuates, your loan rate may change on any of the following dates: the last day of March, June or September or December. An increase in rate might affect your payment amount. OAS FCU lists rate ranges that are applied during loan evaluation. Based on the results of your credit evaluation and the analysis of your repayment ability, you might be approved for a smaller loan than you requested; your loan might also be denied. Sample payment: the monthly payment for a $15,000 loan would be $451.25 in 36 installments.
***Fixed rate limited time offer loans.
Personal Loans
Type of Loan
APR*
Term
Loan amount
Green Loan
8.44%**
Up to 42 months
Up to $15,000
Signature
11.00% - 18.00%
Up to 6 years
Up to $35,000
Deposit Secured (Shares and Share Certificates)
2.5% above the rate paid on deposit pledge
Up to 10 years
Available balance on deposit pledge
Post-Secondary
Education Loan
9.00% - 11.00%
Up to 4 years
Up to $15,000
International Personal Loan
18%***
Up to 3 years
Up to $5,000
* APR means annual percentage rate. This is a variable indexed rate based on the Prime Rate published by The Wall Street Journal. Using that rate as reference and, as it fluctuates, your loan rate may change on any of the following dates: the last day of March, June or September or December. An increase in rate might affect your payment amount. OAS FCU lists rate ranges that are applied during loan evaluation. Based on the results of your credit evaluation and the analysis of your repayment ability, you might be approved for a smaller loan than you requested; your loan might also be denied.
** This is a fixed rate and will remain the same during the entire life of the loan. Loan approval is based on a credit and repayment ability evaluation, and it is possible that you may not qualify for this loan. Loan disbursement subject to proof of purchase or invoice of the green product. Available only for members and improvements in the United States.
****This is a variable rate loan. The rate is determined by adding a margin to an existing published rate (the Prime Rate published on the Wall Street Journal), and the rate may change without previous notice on the last day of March, June, September or December each year; however, your rate will never exceed 18% APR. Based on the results of your credit evaluation, and the analysis of your repayment ability, you might be approved for a smaller loan than you requested; your loan might also be denied. This loan is offered exclusively to members of OAS FCU who do not otherwise qualify for any loans via their employers as part of their employers’ relationships with the Credit Union. We offer this loan to those who have been members of OAS FCU longer than one year, and who can provide proof of employment with income exceeding 24 months. Sample repayment schedule: the monthly payment for a 3-year loan with the current rate would be $35.65 for every $1,000 borrowed.
OAS, IICA & Other SEGs
Type
APR*
Terms
Loan Amount
OAS Retirement & Pension Plan
7.50%
Up to 15 years
Up to $65,000
IICA Recognition of Years of Service
7.50%
Up to 15 years
Up to 100% of accrued benefit
CAF Recognition for Years of Service
7.50%
Up to 15 years
Up to $35,000
OAS Benefits
10.00%
Up to 10 years
Up to $10,000
* APR means annual percentage rate. This is a variable indexed rate based on the Prime Rate published by The Wall Street Journal. Using that rate as reference and, as it fluctuates, your loan rate may change on any of the following dates: the last day of March, June or September or December. An increase in rate might affect your payment amount. OAS FCU lists rate ranges that are applied during loan evaluation. Based on the results of your credit evaluation and the analysis of your repayment ability, you might be approved for a smaller loan than you requested; your loan might also be denied.
Credit Cards
Type
APR*
Credit Limit
VISA Platinum
13.00% - 16.00%
Up to $30,000
VISA Classic
11.00% - 17.00%
Up to $10,000
Balance Transfer(1)
2.25%
Up to available credit
* APR means annual percentage rate. This is a variable indexed rate based on the Prime Rate published by The Wall Street Journal. Using that rate as reference and, as it fluctuates, your loan rate may change on any of the following dates: the last day of March, June or September or December. An increase in rate might affect your payment amount. OAS FCU lists rate ranges that are applied during loan evaluation. Based on the results of your credit evaluation and the analysis of your repayment ability, you might be approved for a smaller loan than you requested; your loan might also be denied.
(1) The promotional APR is available for the first 12 months after the balance transfer. Any remaining balance remaining after that time will incur the standard rate of your card at that time.
FAQs
Fees
Loan Fees
Processing vehicle titles
$50 + DMV cost
Skip-a-Payment
$5 each loan
Single debit origination to pay for a loan
No charge
Recurrent monthly debit origination to pay for loan
No charge
Late fee for consumer loans
4% of the monthly payment after 30 days past due
Late fee for HELOCs
4% of the monthly payment after 10 days past due
Late fee for mortgages
5% of the monthly payment after 15 days past due
Dejando nuestro sitio
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