Here is a 150-word summary of the credit union information, written in the tone of Bev O'Shea:
• Credit Union West is a hidden gem that offers personal loans up to $125,000 with repayment terms up to 300 months (25 years). For a $50,000 loan, the monthly payments could be as low as $450.
• The key benefit of Credit Union West is that it uses a TransUnion Vantage 3 score, which can help if you're trying to access funding.
• Hovia Federal Credit Union is another option to consider. It doesn't offer 0% interest credit cards, but its lowest rate is 2.99% for 12 months. This credit union uses the Vantage 4 score, which doesn't count medical bills, judgments, or evictions against you.
• If your credit isn't great, you could look into a tribal lender like UPA, which offers loans from $300 to $5,000. They check your credit report but won't affect your credit score during the application process.
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