Category Archives: Loans

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How Many Personal Loans Can You Have at Once?

Posted on June 5, 2023
How many personal loans can you have at once? While there is no technical limit to the number of personal loans you can carry, paying down more than one loan at once could come with some serious consequences. We take a hard look at when having multiple personal loans may be necessary and what the effects on your finances can be. Back for More: Can You Have Multiple Loans at ...Read More
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Is a Personal Loan a Good Idea?

Posted on May 22, 2023
With easy terms, quick approvals, and almost instant cash in your hand, personal loans can be a tempting way to afford things that would normally be out of reach. When is a personal loan a good idea? We take a hard look at when personal borrowing makes sense. Cash Course: When Are Personal Loans a Good Idea? Personal loans are different from mortgages, credit cards, and other types of credit. ...Read More
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Debt Consolidation vs. Personal Loan

Posted on May 15, 2023
Borrowing money to get out of debt may seem like a strange choice, but for many people taking out a loan to consolidate debts while working to tackle and limit their spending is the first step to taking control of unpaid bills and unsustainable credit card balances. While there are several ways to consolidate debt, choosing a personal loan to pay down other loans is usually the most effective. That ...Read More
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What Can a Personal Loan Be Used For?

Posted on April 13, 2023
The great thing about personal loans is that they can be used to pay for just about anything. While there’s almost no limit on what a personal loan can be used for in Richmond, VA, we take a look at some of the better ways you can put your cash bonus to work in the 804. Reach the Stars: A Personal Loan in Richmond, VA A little extra cash can ...Read More
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How to Refinance a Car Loan

Posted on March 10, 2022
If you took out a loan to buy your car, you’re not stuck with your initial auto loan rate forever. In fact, refinancing your auto loan is a relatively painless process and can trim a decent amount off your monthly payment or give you a little extra wiggle room if you’re struggling to make your payments each month. If you’re wondering where to start when it comes to refinancing your ...Read More
A man in sunglasses stands near his new car after answering the question, "How much car can I afford?

How Much Car Can I Afford?

Posted on March 3, 2022
The process of buying a car can seem overwhelming with all the brands, models, and options that exist. If you’re asking yourself, “How much car can I afford?” start with taking a closer look at your monthly take-home pay and expenses. The search begins before you even set foot on the lot! Read below for our advice on finding your new ride. Get Your Budget on Track Go into the ...Read More
a woman smiles joyfully in her new vehicle after a pleasant car buying experience

7 Best Car Buying Tips From Our Financial Experts

Posted on February 3, 2022
There are several important things to keep in mind when you are in the market for your next car. Paying attention to considerations like getting pre-approved, shopping around, financing for the shortest time possible, avoiding upgrades, and buying a used car to avoid the depreciation hit can make a huge difference in your car buying experience. Keep reading to learn the best car buying tips and secrets from our financial ...Read More
a couple talks with a salesman at the dealership about how to finance a used car

How to Finance a Used Car

Posted on January 27, 2022
When you’re in the market for a used car, there are several ways that you can obtain financing.  Buying a pre-owned vehicle can be a wise financial choice versus financing a brand new vehicle that will lose value the moment you drive it off the lot. Educating yourself on the various options, and the main considerations for financing a used vehicle, can save you a ton of money over the ...Read More
A happy couple stands in front of their new car after securing a car loan with fair credit.

6 Steps to Getting a Car Loan With Fair Credit

Posted on January 11, 2022
Everyone deserves a chance to make amends and that's especially true when it comes to your credit score. There's no reason a few mistakes in your financial history should stand in the way of a good auto loan.  By following some simple steps, you should be able to bounce back from the past and enjoy a secure future. Read on to find out how you can qualify for a car ...Read More
a man buys a used luxury car from a private seller and they shake hands after sealing the deal

How to Get a Loan for a Used Car When Buying From a Private Seller

Posted on January 4, 2022
Buying a used car is a great choice for many people. Used cars hold their value better than new cars. Plus, they come in all shapes and sizes to suit every budget and lifestyle.  But what can you do if you see your ideal car for sale in a place that's not a traditional dealership? Read on to find out how to get a loan for a used car from ...Read More


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A $15. Convenience fee will be automatically added to your payment amount. Your maximum total payment amount (including the $15 convenience fee) cannot exceed $800. Payments initiated and approved by 3:00pm will be applied to your loan on the same business day. Payments initiated and approved after 3:00pm, or on a day that the credit union is closed (weekends and holidays), will be applied on the next business day. If you have a PFFCU debit card, please log into home banking to make your loan payment.

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Excludes mortgages and home equity lines of credit. A $25 fee is due at set-up for each loan. Loan must have been open for at least 6 months. Past due accounts do not qualify. One skip-a-pay allowed per calendar year (Jan-Dec).

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