Langley federal credit union auto refinance - Even with a low or middling credit score, you might be able to refinance your mortgage. HowStuffWorks explains. Advertisement Whether a bad credit score is the result of too many s...

 
See Langley FCU's current auto loan rates, get preapproved for an auto loan, use our car loan calculator, and find out how you may lower your monthly payments. For immediate assistance, please call 800-826-7490 or 757-827-5328, Monday through Friday - 8:30 a.m. to 5:30 p.m. and Saturday 8:30 a.m. to 12:30 p.m. Eastern Time. Best position nba 2k23

SBA Loans from Langley FCU. Our SBA Loan experts help you navigate the SBA offerings. Langley Federal Credit Union offers Small Business Administration (SBA) loan programs. Our highest priority is building strong relationships. Contact a SBA Expert today. Call For Information (757-224-4777) Advantages of a SBA Program loan. Rates and terms are subject to change without notice. Available to members with a credit score of 740 or better depending on credit qualifications. Credit is subject to approval. Some restrictions may apply. Property insurance, and if applicable, flood insurance is required. Possible tax advantages, consult your tax advisor. Federally insured ... Schedule an Appointment. Make an appointment with a service representative. At Langley, we focus on your financial success. Whether you need to start a savings plan, buy your first home, or build your credit score, Langley is here to help you save, borrow, and spend wisely. You deserve the best for your money.Whether Roth and Traditional, Langley/s Individual Retirement Accounts (IRAs) provide a tax-advantaged way to save for retirement. For immediate assistance, please call 800-826-7490 or 757-827-5328, Monday through Friday - 8:30 a.m. to 5:30 p.m. and Saturday 8:30 a.m. to 12:30 p.m. Eastern Time1. Cashback offer is only available for the refinancing of non-Desert Financial auto loans with a minimum refinanced amount of $10,000. Amount of cash back is calculated based on 1% of the total loan amount financed, not including amounts financed for purchased ancillary products such as Guaranteed Asset Protection (GAP) and Mechanical ...Information ; Seller: Langley Federal Credit Union ; Size: 24.1 MB ; Category: Finance ; Compatibility. iPhone: Requires iOS 15.0 or later. iPad: Requires iPadOS ...CreditBuilder is a loan product designed to help members with no credit, little credit, or unfavorable credit. For immediate assistance, please call 800-826-7490 or 757-827-5328, Monday through Friday - 8:30 a.m. to 5:30 p.m. and Saturday 8:30 a.m. to …Union Bank credit cards enjoy a unique benefit that very few other banks offer. Check out Union Bank's credit cards and rewards here! We may be compensated when you click on produc...Overview. Established in 1936, Langley Federal Credit Union is headquartered in Newport News, Virginia. Reachable: 24 branches and 24 ATMs. Locations. Financial Resources: Stewards over $5.5 Billion in assets. Financial Reports. Solid Financials: The 3 rd largest credit union in Virginia and the 64th largest in the United States.Langley FCU is approved by the U.S. Small Business Administration to offer a wide variety of business loans. For immediate assistance, please call 800-826-7490 or 757-827-5328, Monday through Friday - 8:30 a.m. to 5:30 p.m. and Saturday 8:30 a.m. to 12:30 p.m. Eastern TimeLower your monthly payment, unlock equity or pay your home off faster. Take advantage of our quick and easy application process. Unlock rates as low as 5.875% on Fixed 30-Year mortgage refinance! Get Started Today.For immediate assistance, please call 800-826-7490 or 757-827-5328, Monday through Friday - 8:30 a.m. to 5:30 p.m. and Saturday 8:30 a.m. to 12:30 p.m. Eastern TimeIt depends on your individual situation. If you want to refinance but are concerned about your credit scores and qualifying for a loan, call us at 800-325-0808. Refinance auto loans from Affinity Federal Credit Union. … About Langley. Langley Federal Credit Union (Langley FCU) is one of the 100 largest credit unions in the United States. Based in Hampton Roads, Virginia, Langley has branches in Hampton, Newport News, Williamsburg, Chesapeake, Isle of Wight, Norfolk, Suffolk, and Virginia Beach which offer some of the best rates on certificates, checking accounts, savings accounts, auto loans, personal loans ... Minimum loan amount is $30,000 for terms of 85-96 months. Payment example: New auto loan of $20,000 for 36 months at 4.54% APR will have a monthly payment of $597. Used Vehicles: 2022 and older model years or …Pay off your collections and ask them to remove it. Getting paid cash will always bite you. Put more money down if you can. I also have a solid 710, my local credit union denied me for a pre approved car loan. No debt to my name whatsoever. Ok I walk into dealership and get qualified for 4.9% Apr. Fine with me.Williamsburg New Town Branch - Langley Federal Credit Union. Williamsburg New Town Branch. 5220 Monticello Avenue. Williamsburg, VA 23188. Get Directions.Langley Federal Credit Union offers auto loans for cars, trucks, and SUVs at competitive rates and terms. New Auto Loans; Used Auto Loans; For more details, visit the website, …Andrews Federal Credit Union is a full-service financial institution with stateside locations in Washington, D.C., a variety of Maryland counties including Prince Georges, St. Mary’s, Calvert and Charles, Northern Virginia and New Jersey, as well as overseas locations in the Netherlands, Belgium and Germany. Andrews Federal Credit Union in MD ...To submit a refinance application, you'll need to provide information about your existing loan, Social Security number, and income. After approval, the credit union will issue payment to your old ...Smart Checking - Checking Account with Online & Mobile Banking – Langley Federal Credit Union. For immediate assistance, please call 800-826-7490 or 757-827-5328,Monday through Friday - 8:30 a.m. to 5:30 p.m. and Saturday 8:30 a.m. to 12:30 p.m. Eastern Time. Log In. ×. Online Banking Login. Register•Forgot Password.Langley is member-owned and non-profit. Locations include Hampton, Newport News, Williamsburg, Chesapeake, Isle of Wight, Norfolk, Suffolk, and VA Beach. For immediate assistance, please call 800-826-7490 or 757-827-5328, Monday through Friday - 8:30 a.m. to 5:30 p.m. and Saturday 8:30 a.m. to 12:30 p.m. Eastern TimeRates and terms are subject to change without notice. Available to members with a credit score of 740 or better depending on credit qualifications. Credit is subject to approval. Some restrictions may apply. Property insurance, and if applicable, flood insurance is required. Possible tax advantages, consult your tax advisor. Federally insured ...Apr 27, 2021 ... Their are many credit unions out there you can create relationships with but Langley Credit Should be on your top choice.Langley Federal Credit Union is proud to support the communities we serve. In 2023, the combined charitable giving efforts of Langley Federal Credit Union and the Langley for Families Foundation amounted to over $1,720,000. Over 170 unique charitable organizations were recipients of these funds. Impact Highlights HealthNew Auto Loans - Auto loans offered to finance the purchase of a new vehicle. Used Auto Loans - Auto loans offered to finance the purchase of a used vehicle. Contact the credit …When it comes to managing your finances, choosing the right credit union is crucial. In Colorado, one credit union that stands out among the rest is Ent Credit Union. One of the ma...Lower your monthly payment, unlock equity or pay your home off faster. Take advantage of our quick and easy application process. Unlock rates as low as 5.875% on Fixed 30-Year mortgage refinance! Get Started Today.See Langley FCU's current auto loan rates, get preapproved for an auto loan, use our car loan calculator, and find out how you may lower your monthly payments. For immediate assistance, please call 800-826-7490 or 757-827-5328, Monday through Friday - 8:30 a.m. to 5:30 p.m. and Saturday 8:30 a.m. to 12:30 p.m. Eastern TimeIf this box is unchecked, sales tax is calculated on the purchase price, less trade-in. Currently the District of Columbia, California, Hawaii, Maryland, Kentucky, Michigan and Virginia allow no deductions for trade-ins when calculating sales tax. In addition, Alaska, Delaware, Montana and New Hampshire have no sales tax on auto purchases.The amount you pay each month for your auto financing. Total purchase price (before tax) This is the total cost of your auto purchase. Include the cost of the vehicle, additional …Dear Lifehacker,To make payments on your loans, visit the Langley Payment Center. For immediate assistance, please call 800-826-7490 or 757-827-5328, Monday through Friday - 8:30 a.m. to 5:30 p.m. and Saturday 8:30 a.m. to 12:30 p.m. Eastern TimeAbout Langley. Langley Federal Credit Union (Langley FCU) is one of the 100 largest credit unions in the United States. Based in Hampton Roads, Virginia, Langley has branches in Hampton, Newport News, Williamsburg, Chesapeake, Isle of Wight, Norfolk, Suffolk, and Virginia Beach which offer some of the best rates on certificates, checking accounts, savings accounts, auto loans, personal loans ... About Langley. Langley Federal Credit Union (Langley FCU) is one of the 100 largest credit unions in the United States. Based in Hampton Roads, Virginia, Langley has branches in Hampton, Newport News, Williamsburg, Chesapeake, Isle of Wight, Norfolk, Suffolk, and Virginia Beach which offer some of the best rates on certificates, checking accounts, savings accounts, auto loans, personal loans ... This product is offered by a Langley Federal Credit Union associate who both accepts deposits on behalf of the credit union and sells non-deposit products on behalf of a third party. If you are using a screen reader or other auxiliary aid and are having problems using this website, please call 757-827-5328 or 800-826-7490 for assistance.See Langley FCU's current auto loan rates, get preapproved for an auto loan, use our car loan calculator, and find out how you may lower your monthly payments. For immediate assistance, please call 800-826-7490 or 757-827-5328, Monday through Friday - 8:30 a.m. to 5:30 p.m. and Saturday 8:30 a.m. to 12:30 p.m. Eastern TimeTo make payments on your loans, visit the Langley Payment Center. For immediate assistance, please call 800-826-7490 or 757-827-5328, Monday through Friday - 8:30 a.m. to 5:30 p.m. and Saturday 8:30 a.m. to 12:30 p.m. Eastern TimeGet pre-approved for an auto loan today for a new or used car. Up to 100% financing¹. Terms up to seven years. Low fixed rates for new, used, refinanced, and classic vehicles. No prepayment fees. Includes a .25% rate discount with autopay from a UNIFY share account. Affordable insurance and asset protection. Rates, terms, and payment examples.Andrews Federal Credit Union is a full-service financial institution with stateside locations in Washington, D.C., a variety of Maryland counties including Prince Georges, St. Mary’s, Calvert and Charles, Northern Virginia and New Jersey, as well as overseas locations in the Netherlands, Belgium and Germany. Andrews Federal Credit Union in MD ...Provides a credit toward your replacement vehicle. Covers the difference between what your insurance covers and what is still owed on the loan. Cost can be included in your monthly auto loan payment. Ask about a GAP policy when you apply for your auto loan, or contact us at 602-683-1000 for details. Contact Us. Rates and terms are subject to change without notice. Available to members with a credit score of 740 or better depending on credit qualifications. Credit is subject to approval. Some restrictions may apply. Property insurance, and if applicable, flood insurance is required. Possible tax advantages, consult your tax advisor. Federally insured ... About Langley. Langley Federal Credit Union (Langley FCU) is one of the 100 largest credit unions in the United States. Based in Hampton Roads, Virginia, Langley has branches in Hampton, Newport News, Williamsburg, Chesapeake, Isle of Wight, Norfolk, Suffolk, and Virginia Beach which offer some of the best rates on certificates, checking accounts, savings accounts, auto loans, personal loans ...It depends on your individual situation. If you want to refinance but are concerned about your credit scores and qualifying for a loan, call us at 800-325-0808. Refinance auto loans from Affinity Federal Credit Union. …Apr 27, 2021 ... Their are many credit unions out there you can create relationships with but Langley Credit Should be on your top choice.For immediate assistance, please call 800-826-7490 or 757-827-5328, Monday through Friday - 8:30 a.m. to 5:30 p.m. and Saturday 8:30 a.m. to 12:30 p.m. Eastern TimeTier 1 credit is the highest level of credit for automobile financing, meaning buyers with Tier 1 credit get the best interest rates, lower monthly payments and better loan terms, ...For immediate assistance, please call 800-826-7490 or 757-827-5328, Monday through Friday - 8:30 a.m. to 5:30 p.m. and Saturday 8:30 a.m. to 12:30 p.m. Eastern TimeSee Langley FCU's current auto loan rates, get preapproved for an auto loan, use our car loan calculator, and find out how you may lower your monthly payments. For immediate assistance, please call 800-826-7490 or 757-827-5328, Monday through Friday - 8:30 a.m. to 5:30 p.m. and Saturday 8:30 a.m. to 12:30 p.m. Eastern TimeLangley FCU offers a variety of credit card options including cash back, low rates, and rewards; so you can find and apply for the one that best suits your needs. For immediate assistance, please call 800-826-7490 or 757-827-5328, Monday through Friday - 8:30 a.m. to 5:30 p.m. and Saturday 8:30 a.m. to 12:30 p.m. Eastern TimeIf you suspect fraud has occurred on your Langley account, call Langley's Contact Center For immediate assistance, please call 800-826-7490 or 757-827-5328, Monday through Friday - 8:30 a.m. to 5:30 p.m. and Saturday 8:30 a.m. to 12:30 p.m. Eastern TimeWhen you're ready for your next vehicle, we have a vehicle loan option that saves you money and time. Black Hills Federal Credit Unions vehicle loans help you finance a car, truck, SUV, RV, boat, motorcycle or anything else that moves you in Rapid City, Sioux Falls, Sturgis and beyond. And our loan rates are among the best in South Dakota.Members can fax their policy information to 800-709-4818, or mail it to: Orion FCU, PO Box 1973, Carmel, IN 46082. For questions regarding CPI or proof of insurance verification, members can call Insurance Services at 1-800-653-8812, Monday-Friday, 8am-9pm, EST and Saturday, 9am-6pm EST. If you call into Orion’s Contact Center, select option ... Langley is member-owned and non-profit. Locations include Hampton, Newport News, Williamsburg, Chesapeake, Isle of Wight, Norfolk, Suffolk, and VA Beach. For immediate assistance, please call 800-826-7490 or 757-827-5328, Monday through Friday - 8:30 a.m. to 5:30 p.m. and Saturday 8:30 a.m. to 12:30 p.m. Eastern Time About Langley. Langley Federal Credit Union (Langley FCU) is one of the 100 largest credit unions in the United States. Based in Hampton Roads, Virginia, Langley has branches in Hampton, Newport News, Williamsburg, Chesapeake, Isle of Wight, Norfolk, Suffolk, and Virginia Beach which offer some of the best rates on certificates, checking accounts, savings accounts, auto loans, personal loans ... The credit union offers auto refinancing amounts from $500 to $150,000, which is a good option if you need to finance a smaller amount. ... Navy Federal Credit Union (NFCU) 3.3: Starting at 4.54% ... Stop by for personalized service. Branch + 24hr ATM. Located at 14328 Lori Ann Way Carrollton, VA, 23314 Or, call us at 757-827-5328or 800-826-7490. Our reps are available Monday-Friday, 8 AM to 6 PM, and Saturday, 8:30 AM to 12:30 PM. Chat Now. Find More Branches. If you are using a screen reader or other auxiliary aid and are havingproblems using this website, please call 757-827-5328 or 800-826-7490 for assistance. About Langley. Langley Federal Credit Union (Langley FCU) is one of the 100 largest credit unions in the United States. Based in Hampton Roads, Virginia, Langley has branches in Hampton, Newport News, Williamsburg, Chesapeake, Isle of Wight, Norfolk, Suffolk, and Virginia Beach which offer some of the best rates on certificates, checking accounts, savings accounts, auto loans, personal loans ... 1. Cashback offer is only available for the refinancing of non-Desert Financial auto loans with a minimum refinanced amount of $10,000. Amount of cash back is calculated based on 1% of the total loan amount financed, not including amounts financed for purchased ancillary products such as Guaranteed Asset Protection (GAP) and Mechanical ...To report unauthorized charges on a credit card, please call 1-855-341-4650. Blue Digital Is experiencing technical difficulties Our online banking system, Blue Digital, is currently experiencing technical difficulties and is inaccessible.Langley FCU is approved by the U.S. Small Business Administration to offer a wide variety of business loans. For immediate assistance, please call 800-826-7490 or 757-827-5328, Monday through Friday - 8:30 a.m. to 5:30 p.m. and Saturday 8:30 a.m. to …Schedule an Appointment. Make an appointment with a service representative. At Langley, we focus on your financial success. Whether you need to start a savings plan, buy your first home, or build your credit score, Langley is here to help you save, borrow, and spend wisely. You deserve the best for your money. Take control of your financial future with a Langley FCU student loan. For immediate assistance, please call 800-826-7490 or 757-827-5328, Monday through Friday - 8:30 a.m. to 5:30 p.m. and Saturday 8:30 a.m. to 12:30 p.m. Eastern Time If you suspect fraud has occurred on your Langley account, call Langley's Contact Center For immediate assistance, please call 800-826-7490 or 757-827-5328, Monday through Friday - 8:30 a.m. to 5:30 p.m. and Saturday 8:30 a.m. to 12:30 p.m. Eastern TimeOr, call us at 757-827-5328or 800-826-7490. Our reps are available Monday-Friday, 8 AM to 6 PM, and Saturday, 8:30 AM to 12:30 PM. Chat Now. Find More Branches. If you are using a screen reader or other auxiliary aid and are havingproblems using this website, please call 757-827-5328 or 800-826-7490 for assistance.Available for < 90% LTV or Heroes Program Members. 2019-2024. 7.75%. Up to 84 Months. 2023-2024*. 8.25%. 85 to 120 Months. Example: A loan amount of $25,000 with a rate as low as 6.55% for 66 months would have an approximate monthly payment of $452.00. APR = Annual Percentage Rate. Rates and terms are subject to change without notice. Available to members with a credit score of 740 or better depending on credit qualifications. Credit is subject to approval. Some restrictions may apply. Property insurance, and if applicable, flood insurance is required. Possible tax advantages, consult your tax advisor. Federally insured ... Reduce your rate up to 1.00% APR*! Not only is it possible to refinance your car, but you may qualify for a pretty spectacular rate if you currently have your car loan with another lender. *Only loans currently held by a lender other than Altra qualify for the Auto Refinance Discount. Apply Now!Auto Loans. New and Used Vehicle Loans; Vehicle Loan Refinancing; ... Langley Federal Credit Union Donates $25,0... Langley FCU Announces 2023 Jean M. Yokum S...See Langley FCU's current auto loan rates, get preapproved for an auto loan, use our car loan calculator, and find out how you may lower your monthly payments. For immediate assistance, please call 800-826-7490 or 757-827-5328, Monday through Friday - 8:30 a.m. to 5:30 p.m. and Saturday 8:30 a.m. to 12:30 p.m. Eastern Time With a Langley car loan, you can get the best deal on a new or used car at great low rates. Apply for a car loan in minutes! If your vehicle has less than 50,000 miles, you may qualify for a extended vehicle service agreement. Visit any branch or call our Contact Center to learn more. Apply Online Call 757-827-5328 Schedule an Appointment. VA mortgage loans work like a standard fixed rate mortgage with some excellent benefits for veterans added. For immediate assistance, please call 800-826-7490 or 757-827-5328, Monday through Friday - 8:30 a.m. to 5:30 p.m. and Saturday 8:30 a.m. to 12:30 p.m. Eastern TimeFor immediate assistance, please call 800-826-7490 or 757-827-5328, Monday through Friday - 8:30 a.m. to 5:30 p.m. and Saturday 8:30 a.m. to 12:30 p.m. Eastern TimeWhether Roth and Traditional, Langley/s Individual Retirement Accounts (IRAs) provide a tax-advantaged way to save for retirement. For immediate assistance, please call 800-826-7490 or 757-827-5328, Monday through Friday - 8:30 a.m. to 5:30 p.m. and Saturday 8:30 a.m. to 12:30 p.m. Eastern TimeAbout Langley. Langley Federal Credit Union (Langley FCU) is one of the 100 largest credit unions in the United States. Based in Hampton Roads, Virginia, Langley has branches in Hampton, Newport News, Williamsburg, Chesapeake, Isle of Wight, Norfolk, Suffolk, and Virginia Beach which offer some of the best rates on certificates, checking accounts, savings accounts, auto loans, personal loans ...See Langley FCU's current auto loan rates, get preapproved for an auto loan, use our car loan calculator, and find out how you may lower your monthly payments. For immediate assistance, please call 800-826-7490 or 757-827-5328, Monday through Friday - 8:30 a.m. to 5:30 p.m. and Saturday 8:30 a.m. to 12:30 p.m. Eastern Time See Langley FCU's current auto loan rates, get preapproved for an auto loan, use our car loan calculator, and find out how you may lower your monthly payments. For immediate assistance, please call 800-826-7490 or 757-827-5328, Monday through Friday - 8:30 a.m. to 5:30 p.m. and Saturday 8:30 a.m. to 12:30 p.m. Eastern Time To report unauthorized charges on a credit card, please call 1-855-341-4650. Blue Digital Is experiencing technical difficulties Our online banking system, Blue Digital, is currently experiencing technical difficulties and is inaccessible.Reduce your rate up to 1.00% APR*! Not only is it possible to refinance your car, but you may qualify for a pretty spectacular rate if you currently have your car loan with another lender. *Only loans currently held by a lender other than Altra qualify for the Auto Refinance Discount. Apply Now!With rates as low as 5.49% APR [1] for 75 months, Langley can lower your interest rate, lower your payment, or BOTH! We offer loan terms from 12-75 months, giving you the …

Take control of your financial future with a Langley FCU student loan. For immediate assistance, please call 800-826-7490 or 757-827-5328, Monday through Friday - 8:30 a.m. to 5:30 p.m. and Saturday 8:30 a.m. to 12:30 p.m. Eastern Time. How many digits is a ford key code

langley federal credit union auto refinance

Langley FCU Certificate Accounts are easy to open and maintain; dividends are compounded monthly and certificates are an ideal way to earn more dividends on your funds. For immediate assistance, please call 800-826-7490 or 757-827-5328, Monday through Friday - 8:30 a.m. to 5:30 p.m. and Saturday 8:30 a.m. to 12:30 p.m. Eastern TimeUnion Bank credit cards enjoy a unique benefit that very few other banks offer. Check out Union Bank's credit cards and rewards here! We may be compensated when you click on produc...Collateral Protection Insurance pertains to a situation that occurs when your vehicle insurance changes or lapses during the life of a vehicle loan you have with Langley Federal Credit Union. For immediate assistance, please call 800-826-7490 or 757-827-5328, Monday through Friday - 8:30 a.m. to 5:30 p.m. and Saturday 8:30 a.m. to 12:30 p.m ...Fixed Rate Certificates. Rates include an Active Rewards rate enhancement of 0.10%. [1] Annual Percentage Yield (APY). Dividends compound monthly. Penalty for early withdrawal. Some restrictions apply. Rate subject to change. [2] Minimum to open is $500. [3] Minimum to open is $100.When you borrow money from a bank, credit union or online lender and pay them back monthly with interest on a set term, that’s called a personal loan. Choose a personal loan that b...Based in Hampton Roads, Virginia, Langley has branches in Hampton, Newport News, Williamsburg, Chesapeake, Isle of Wight, Norfolk, Suffolk, and Virginia Beach which offer some of the best rates on certificates, checking accounts, savings accounts, auto... show more.Williamsburg New Town Branch - Langley Federal Credit Union. Williamsburg New Town Branch. 5220 Monticello Avenue. Williamsburg, VA 23188. Get Directions. See Langley FCU's current auto loan rates, get preapproved for an auto loan, use our car loan calculator, and find out how you may lower your monthly payments. For immediate assistance, please call 800-826-7490 or 757-827-5328, Monday through Friday - 8:30 a.m. to 5:30 p.m. and Saturday 8:30 a.m. to 12:30 p.m. Eastern Time The credit union offers auto refinancing amounts from $500 to $150,000, which is a good option if you need to finance a smaller amount. ... Navy Federal Credit Union (NFCU) 3.3: Starting at 4.54% ...Union Plus Credit Cards have an easy way to make payments. You can mail in your payment after receiving the monthly statement or you can make payments online. When you make payment...Whether Roth and Traditional, Langley/s Individual Retirement Accounts (IRAs) provide a tax-advantaged way to save for retirement. For immediate assistance, please call 800-826-7490 or 757-827-5328, Monday through Friday - 8:30 a.m. to 5:30 p.m. and Saturday 8:30 a.m. to 12:30 p.m. Eastern TimeLangley FCU Branches Surcharge-Free ATMs CO-OP Shared Branches If you are using a screen reader or other auxiliary aid and are having problems using this website, please call 757-827-5328 or 800-826-7490 for assistance.Based in Hampton Roads, Virginia, Langley has branches in Hampton, Newport News, Williamsburg, Chesapeake, Isle of Wight, Norfolk, Suffolk, and Virginia …If your credit rating is good and the value of your vehicle is greater than the loan balance, you may be able to refinance the loan with a better interest rate or longer term. For ….

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