|
Hurry—your pre-approved offer ends January 29, 2021.
|
|
|
Dear %LOANENGINENAMEFIRST%,
Congratulations! You're pre-approved for your choice of a low rate Noble Credit Union loan.
We're here for you, whatever your needs. You're pre-approved for the loan of your choice, at a low Noble rate. By selecting a special offer below, you can be confident you're getting affordable financing and the loan that's just right for you. So what are you waiting for? Take advantage of your pre-approved status today!
|
|
Choose one of the offers below:
|
|
%IF in_string('New Auto', $LOANENGINENEWAUTOLOANN)%
|
|
|
| |
| NEW AUTO LOAN1
|
| %LOANENGINENEWAUTOLOANR% APR** for %LOANENGINENEWAUTOLOANT% months — Pre-Approved up to %LOANENGINENEWAUTOLOANA%
|
| |
|
|
|
| |
%/IF%
%IF in_string('Used Auto', $LOANENGINEUSEDAUTON )%
|
|
|
| |
| USED AUTO LOAN2
|
| %LOANENGINEUSEDAUTOR% APR** for %LOANENGINEUSEDAUTOT% months — Pre-Approved up to %LOANENGINEUSEDAUTOA%
|
| |
|
|
|
| |
%/IF%
%IF in_string('New RV Boat Motorcycle', $LOANENGINENEWRVBOATMOTORCYCLEN )%
|
|
|
| |
| NEW RV/BOAT/MOTORCYCLE3
|
| %LOANENGINENEWRVBOATMOTORCYCLER% APR** for %LOANENGINENEWRVBOATMOTORCYCLET% months — Pre-Approved up to %LOANENGINENEWRVBOATMOTORCYCLEA%
|
| |
|
|
|
| |
%/IF%
%IF in_string('Used RV Boat Motorcycle', $LOANENGINEUSEDRVBOATMOTORCYCLEN )%
|
|
|
| |
| USED RV/BOAT/MOTORCYCLE4
|
| %LOANENGINEUSEDRVBOATMOTORCYCLER% APR** for %LOANENGINEUSEDRVBOATMOTORCYCLET% months — Pre-Approved up to %LOANENGINEUSEDRVBOATMOTORCYCLEA%
|
| |
|
|
|
| |
%/IF%
%IF in_string('MyRewards Platinum Visa', $LOANENGINEMYREWARDSPLATINUMVISAN )%
|
|
|
| |
| MYREWARDS PLATINUM VISA® 5
|
| %LOANENGINEMYREWARDSPLATINUMVISAR% APR** — Pre-Approved up to %LOANENGINEMYREWARDSPLATINUMVISAA%
|
| |
|
|
|
| |
%/IF%
%IF in_string('Loyalty Rewards Visa', $LOANENGINELOYALTYREWARDSVISAN )%
|
|
|
| |
| LOYALTY REWARDS VISA® 6
|
| %LOANENGINELOYALTYREWARDSVISAR% APR** — Pre-Approved up to %LOANENGINELOYALTYREWARDSVISAA%
|
| |
|
|
|
| |
%/IF%
%IF in_string('Personal Loan', $LOANENGINEPERSONALLOANN )%
|
|
|
| |
| PERSONAL LOAN7
|
| %LOANENGINEPERSONALLOANR% APR** for %LOANENGINEPERSONALLOANT% months — Pre-Approved up to %LOANENGINEPERSONALLOANA%
|
| |
|
|
|
| |
%/IF%
|
|
|
PLEASE NOTE: You have been pre-approved for your choice of one of the above offers. If you would like to take advantage of more than one offer or would like to request more than your approved amount, please contact us. A full application may be required. See below for details.
|
|
%IF in_string('Y', $LOANENGINEBANKINGFLAG )%
|
Accept your Noble Credit Union pre-approved loan today!
|
|
|
|
Hurry! Offer ends January 29, 2021.
|
|
|
%/IF%
%IF in_string('N', $LOANENGINEBANKINGFLAG )%
|
Accept your Noble Credit Union pre-approved loan today!
|
|
|
|
Your Noble Credit Union pre-approved loan code is: %LOANENGINECOUPONCODE%
|
|
Hurry! Offer ends January 29, 2021.
|
|
|
%/IF%
|
© %HCTEMPLATEYEAR% Noble Credit Union. All rights reserved.
|
| |
| FRESNO • CLOVIS • MADERA • SELMA |
| |
| |
|
|
| |
|
|
|
|
You can choose to stop receiving "prescreened" offers of credit from this and other companies by calling toll-free 1-888-567-8688. See PRESCREEN & OPT-OUT NOTICE† below for more information about prescreened offers.
|
|
|
†PRESCREEN & OPT-OUT NOTICE
This "prescreened" offer of credit is based on information in your credit report indicating that you meet certain criteria for creditworthiness. This offer is not guaranteed if you do not meet our criteria (including providing acceptable property as collateral). If you do not want to receive prescreened offers of credit from this and other companies, call the consumer reporting agencies toll-free at 1-888-5OPT-OUT ( 1-888-567-8688); or visit the website at www.optoutprescreen.com or write: Equifax Options, P.O. Box 740123, Atlanta, GA 30374-0123 TransUnion, Opt Out Request, P.O. Box 505, Woodlyn, PA 19094-0505 Experian Consumer Opt Out, P.O. Box 919, Allen, TX 75013
|
|
|
|
|
|
* We used information on you that we obtained from a consumer reporting agency in connection with this "Pre-Approved" offer. You were selected to receive this offer because you satisfied certain criteria for creditworthiness, which we previously established. The offered credit may not be extended if, after you respond to this offer, we determine that you do not meet the criteria used to select you for this offer or any other applicable criteria bearing on creditworthiness, or if you do not provide the required collateral. Not all applicants will qualify for the lowest rate. Rates current as of November 1, 2020, and are subject to change based on market conditions or borrower eligibility. Credit Union membership required. You must be a member in good standing and be current on any existing Noble CU loans, your mortgage, and your vehicle loan payments. Must meet minimum income requirements. Additional documentation may be requested such as verification of employment and other documents necessary to complete your request. This preapproval is valid for loans accepted at Noble Credit Union between November 5, 2020 - January 29, 2021. Taking advantage of one offer may affect the preapproved status of the remaining offers and may require the completion of a loan application. If you would like to take advantage of multiple products or you would like a higher loan amount or credit with a co-borrower, please contact us at (559)252-5000 as additional information and an application may be required. Other restrictions apply.
|
|
**APR=Annual Percentage Rate
|
%IF in_string('New Auto', $LOANENGINENEWAUTOLOANN )%
|
1 New Auto: Vehicle must be one previous model year or newer. (For model year requirements, visit https://www.noblecu.com/home/rates.) Offer may be used to refinance a vehicle loan from another lender or to purchase a new vehicle. Not valid for refinancing existing Noble Credit Union loans. Offer based on loan term of %LOANENGINENEWAUTOLOANT% months. Noble Credit Union finances up to 125% of MSRP (new vehicles) or the KBB Retail Value (used vehicles). The maximum interest rate for a Noble Credit Union new auto loan is 13.74% APR. This offer may also be withdrawn if the value of the vehicle you are purchasing exceeds the maximum allowable Loan-to-Value (LTV). Payment example: A %LOANENGINENEWAUTOLOANT%-month loan of %LOANENGINENEWAUTOLOANA% at %LOANENGINENEWAUTOLOANR% fixed APR will have %LOANENGINENEWAUTOLOANT% monthly payments of %LOANENGINENEWAUTOLOANP% per $1,000 borrowed. Other rates and terms available. Subject to credit review and/or approval. May not be combined with other offers.
|
%/IF%
%IF in_string('Used Auto', $LOANENGINEUSEDAUTON )%
|
2 Used Auto: Vehicle must meet model year requirements and must have less than 115,000 miles. (For model year information, please visit https://www.noblecu.com/home/rates.) Offer may be used to refinance a vehicle loan from another lender or to purchase a new vehicle. Not valid for refinancing existing Noble Credit Union loans. Offer based on loan term of %LOANENGINEUSEDAUTOT% months. Noble Credit Union finances up to 125% of MSRP (new vehicles) or the KBB Retail Value (used vehicles). The maximum interest rate for a Noble Credit Union used auto loan is 13.99% APR. This offer may also be withdrawn if the value of the vehicle you are purchasing exceeds the maximum allowable Loan-to-Value (LTV). Payment example: A %LOANENGINEUSEDAUTOT%-month loan of %LOANENGINEUSEDAUTOA% at %LOANENGINEUSEDAUTOR% fixed APR will have %LOANENGINEUSEDAUTOT% monthly payments of %LOANENGINEUSEDAUTOP% per $1,000 borrowed. Other rates and terms available. Subject to credit review and/or approval. May not be combined with other offers.
|
%/IF%
%IF in_string('New RV Boat Motorcycle', $LOANENGINENEWRVBOATMOTORCYCLEN )%
|
3 New RV/Boat/Motorcycles including ATVs, motor homes, travel trailers, and jet skis: Vehicle must be current model year. Offer may be used to refinance a vehicle loan from another lender or to purchase a new vehicle. Not valid for refinancing existing Noble Credit Union loans. Offer based on loan term of 60 months. Noble Credit Union finances up to 110% of MSRP (new vehicles) or the KBB Retail Value (used vehicles). The maximum interest rate for a Noble Credit Union new RV/boat/motorcycle loan is 8.45% APR. This offer may also be withdrawn if the value of the vehicle you are purchasing exceeds the maximum allowable Loan-to-Value (LTV). Payment example: A %LOANENGINENEWRVBOATMOTORCYCLET%-month loan of %LOANENGINENEWRVBOATMOTORCYCLEA% at %LOANENGINENEWRVBOATMOTORCYCLER% fixed APR will have %LOANENGINENEWRVBOATMOTORCYCLET% monthly payments of %LOANENGINENEWRVBOATMOTORCYCLEP% per $1,000 borrowed. Other rates and terms available. Subject to credit review and/or approval. May not be combined with other offers.
|
%/IF%
%IF in_string('Used RV Boat Motorcycle', $LOANENGINEUSEDRVBOATMOTORCYCLEN )%
|
4 Used RV/Boat/Motorcycles including ATVs, motor homes, travel trailers, and jet skis: Vehicle must meet model year requirements. (For more information, visit https://www.noblecu.com/home/rates.) Offer may be used to refinance a vehicle loan from another lender or to purchase a new vehicle. Not valid for refinancing existing Noble Credit Union loans. Offer based on loan term of 60 months. Noble Credit Union finances up to 110% of MSRP (new vehicles) or the KBB Retail Value (used vehicles). The maximum interest rate for a Noble Credit Union used RV/boat/motorcycle loan is 9.20% APR. This offer may also be withdrawn if the value of the vehicle you are purchasing exceeds the maximum allowable Loan-to-Value (LTV). Payment example: A %LOANENGINEUSEDRVBOATMOTORCYCLET%-month loan of %LOANENGINEUSEDRVBOATMOTORCYCLEA% at %LOANENGINEUSEDRVBOATMOTORCYCLER% fixed APR will have %LOANENGINEUSEDRVBOATMOTORCYCLET% monthly payments of %LOANENGINEUSEDRVBOATMOTORCYCLEP% per $1,000 borrowed. Other rates and terms available. Subject to credit review and/or approval. May not be combined with other offers.
|
%/IF%
%IF in_string('MyRewards Platinum Visa', $LOANENGINEMYREWARDSPLATINUMVISAN )%
|
5 MyRewards Platinum Visa®: Rates and limit stated are available on approved credit and may be different as determined by the individual creditworthiness of each applicant. You are pre-approved for a Noble Credit Union MyRewards Platinum Visa® with a limit of at least $250; maximum is $15,000; maximum loan amount per individual not to exceed $25,000. The maximum annual percentage rate for a Noble Credit Union Visa credit card is 18% APR. Visa is a registered trademark of Visa International Services Association.
|
%/IF%
%IF in_string('Loyalty Rewards Visa', $LOANENGINELOYALTYREWARDSVISAN )%
|
6 Loyalty Rewards Visa®: Rates and limit stated are available on approved credit and may be different as determined by the individual creditworthiness of each applicant. You are pre-approved for a Noble Credit Union Loyalty Rewards Visa® with a limit of at least $250; maximum is $15,000; maximum loan amount per individual not to exceed $25,000. The maximum annual percentage rate for a Noble Credit Union Visa credit card is 18% APR. Visa is a registered trademark of Visa International Services Association.
|
%/IF%
%IF in_string('Personal Loan', $LOANENGINEPERSONALLOANN )%
|
7 Personal Loan: Payment example: A %LOANENGINEPERSONALLOANT%-month loan of %LOANENGINEPERSONALLOANA% at %LOANENGINEPERSONALLOANR% fixed APR will have %LOANENGINEPERSONALLOANT% monthly payments of %LOANENGINEPERSONALLOANP% per $1,000 borrowed. The minimum approved loan amount is $500; the maximum is $15,000; maximum loan amount per individual not to exceed $25,000. Terms available up to 84 months. The maximum annual percentage rate for a Noble Credit Union Personal Loan is 18% APR.
|
%/IF%
|
|
|
%IF in_string('MyRewards Platinum Visa', $LOANENGINEMYREWARDSPLATINUMVISAN )%
| NOBLE CREDT UNION MYREWARDS PLATINUM VISA CREDIT CARD |
| |
|
|
| |
| Interest Rates and Interest Charges |
| |
|
|
|
|
|
|
|
| |
| MyRewards Platinum Visa Credit Card: 9.90% to 18.00% based on your credit worthiness. |
| |
|
|
|
|
| |
|
| |
| APR for Balance Transfers |
| |
|
|
|
|
|
| |
| MyRewards Platinum Visa Credit Card: 9.90% to 18.00% based on your credit worthiness. |
| |
|
|
|
|
| |
|
|
|
|
| |
| MyRewards Platinum Visa Credit Card: 9.90% to 18.00% based on your credit worthiness. |
| |
|
|
|
|
| |
|
| |
| Penalty APR and When it Applies |
| |
|
|
|
|
|
|
| |
|
| |
| How to Avoid Paying Interest on Purchases |
| |
|
|
|
|
|
| |
| Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date of each month. We will begin charging interest on cash advances and balance transfers on the transaction date. |
| |
|
|
|
|
| |
|
|
| |
|
| |
| For Credit Card Tips from the Consumer Financial Protection Bureau |
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
|
| |
| Transaction Fees |
| • Balance Transfer |
| • Cash Advance |
| • Foreign Transaction |
| |
| |
|
|
|
|
|
| |
| |
| None |
| None |
| Up to 1% of the transaction amount |
| |
|
|
|
|
| |
|
| |
| Penalty Fees |
| • Late Payment |
| |
| • Over-the-Credit-Limit |
| |
| • Returned Payment |
| |
| |
|
|
|
|
|
| |
| |
| 5% (minimum late fee is $20, maximum late fee is $30) of the scheduled payment if not paid within 5 days of the payment due date |
| $20 each month your balance exceeds your credit limit by $200 or 10%, whichever is less |
| $25 |
| |
|
|
|
|
| |
|
|
|
|
| |
| How We Will Calculate Your Balance. We use a method called "average daily balance (including new purchases)." |
| |
| Effective Date. The information about the costs of the card described in this disclosure is accurate as of November 1, 2020. This information may have changed after that date. To find out what may have changed, contact Noble Credit Union. |
| |
|
|
|
%/IF%
%IF in_string('Loyalty Rewards Visa', $LOANENGINELOYALTYREWARDSVISAN )%
| NOBLE CREDT UNION LOYALTY REWARDS VISA CREDIT CARD |
| |
|
|
| |
| Interest Rates and Interest Charges |
| |
|
|
|
|
|
|
|
| |
| Loyalty Rewards Visa Credit Card: 8.90% to 18.00% based on your credit worthiness. |
| |
|
|
|
|
| |
|
| |
| APR for Balance Transfers |
| |
|
|
|
|
|
| |
| Loyalty Rewards Visa Credit Card: 8.90% to 18.00% based on your credit worthiness. |
| |
|
|
|
|
| |
|
|
|
|
| |
| Loyalty Rewards Visa Credit Card: 8.90% to 18.00% based on your credit worthiness. |
| |
|
|
|
|
| |
|
| |
| Penalty APR and When it Applies |
| |
|
|
|
|
|
|
| |
|
| |
| How to Avoid Paying Interest on Purchases |
| |
|
|
|
|
|
| |
| Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date of each month. We will begin charging interest on cash advances and balance transfers on the transaction date. |
| |
|
|
|
|
| |
|
|
| |
|
| |
| For Credit Card Tips from the Consumer Financial Protection Bureau |
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
|
| |
| Transaction Fees |
| • Balance Transfer |
| • Cash Advance |
| • Foreign Transaction |
| |
| |
|
|
|
|
|
| |
| |
| None |
| None |
| Up to 1% of the transaction amount |
| |
|
|
|
|
| |
|
| |
| Penalty Fees |
| • Late Payment |
| |
| • Over-the-Credit-Limit |
| |
| • Returned Payment |
| |
| |
|
|
|
|
|
| |
| |
| 5% (minimum late fee is $20, maximum late fee is $30) of the scheduled payment if not paid within 5 days of the payment due date |
| $20 each month your balance exceeds your credit limit by $200 or 10%, whichever is less |
| $25 |
| |
|
|
|
|
| |
|
|
|
|
| |
| How We Will Calculate Your Balance. We use a method called "average daily balance (including new purchases)." |
| |
| Effective Date. The information about the costs of the card described in this disclosure is accurate as of November 1, 2020. This information may have changed after that date. To find out what may have changed, contact Noble Credit Union. |
| |
|
|
|
%/IF%
|
