Friday, March 24, 2023

Houston Fire Fighters Federal Credit Union

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Lower My Payment Option

Houston Texas Fire Fighters FCU

Lower My Payment Option is formerly known as the R.E.D Program

The smart choice in new and pre-owned vehicle financing! How would you like a low payment vehicle loan program that combines the best features of conventional financing along with the benefits of leasing? Sound too good to be true? Well, HTFFFCU has the vehicle financing answer for you!

Gives you the best of both worlds. Like a lease, offers payments considerably lower than conventional financing. Yet, unlike leasing, you own the vehicle and have all of the flexibility and benefits that come with vehicle ownership!

All new and up to five-year-old cars, vans, and light trucks qualify for finance. All vehicles can be financed for up to 72 months! Benefits include:

  • No Capitalization Fees

Would you like to know more about the Lower My Payment Option? See below to read Elizabeth Wright, HTFFFCU AVP of Lending describing how the program can work for you.

How Does The Lower My Payment Option Work

People buy cars differently. Some spend months researching the best engines whereas, others buy impulsively based on which vehicle catches their eye. Some prefer brand new and shiny vehicles some choose pre-owned ones. Many people save up for years to avoid a car loan others dont mind borrowing. Some people need spacious cars for their families, and others may choose vehicles solely based on their future trade value.

At HTFFFCU, we are conscious of your different needs, your life circumstances, and your individual driving habits. Thats why we have the Lower My Payment Option, a vehicle financing option thats not a loan and not a lease but has the benefits of both. So how exactly does that work?

We sat down with Elizabeth Wright, AVP of Lending at HTFFFCU and asked her to shed some light on how we can lower your vehicle loan payment. When you decide to finance a vehicle with the Lower My Payment Option, the vehicle is titled in your name, unlike with the typical lease. But your monthly or bi-weekly payments are approximately 30% 40% lower than if youd taken a regular vehicle loan. Financing is available from 24-72 months with model vehicles up to five years used.

Why is that?

Lets say I want to turn the vehicle in at loan maturity. Wheres the catch? What do I have to pay?

It sounds too good to be true

What about price restrictions?

For vehicles with an MSRP greater than $75,000, a surcharge may be applicable. Our loan officers would disclose this to you upfront.

A Short History Of Houston Texas Fire Fighters Fcu

Since its inception in 1935 the Houston Texas Fire Fighters Federal Credit Union has been serving its members in the Houston, Texas area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Steve Gilman, the Houston Texas Fire Fighters FCU has grown its membership to over 16,636 with assets of more than $263,136,554. They have a main office and 3 branch offices. Please see the credit unions website or contact them by phone at 864-0959 or email them at to get exact details . There are many other credit unions in the local area. See them all here. .

Recommended Reading: Maps Credit Union Salem Oregon

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