"Unlock Financial Freedom: $50,000 in Credit Union Loans with No Income Proof"

Exploring Credit Union Options with Houston Mcmiller

Credit Union West: A Hidden Gem

- **Offers personal loans up to $125,000** with repayment terms of up to 300 months (25 years) - **Flexible loan terms**: For a $50,000 loan, the monthly payments could be as low as $550 - **Utilizes TransUnion Vantage 3 score**, making it an ideal option for those with strong credit profiles

Hovia Federal Credit Union: Leveraging Vantage 4 Scoring

- **Offers personal loans up to 60 months**, but with lower interest rates compared to Credit Union West - **Uses Vantage 4 scoring**, which excludes certain negative factors like medical bills and judgments, providing more leverage - **Provides business banking services**, including checking and savings accounts, but no business credit cards

Tribal Lending: An Alternative Approach

- **UPA, a tribal lender, offers loans from $300 to $5,000** - **Checking your rate does not affect your credit score**, but accepting the loan will result in a hard inquiry - **Tribal lenders typically review credit reports from Clarity, Factortrust, or LexusNexus, rather than the traditional credit bureaus**

For any further questions about business credit funding, personal credit funding, or negative item removal, feel free to schedule a one-on-one consultation.

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