{"id":2663,"date":"2026-06-22T16:12:17","date_gmt":"2026-06-22T21:12:17","guid":{"rendered":"https:\/\/www.heritagesouth.org\/loans-credit-cards\/consumer-loans\/"},"modified":"2026-11-02T08:35:35","modified_gmt":"2026-11-02T14:35:35","slug":"prestamos-al-consumo","status":"publish","type":"page","link":"https:\/\/www.heritagesouth.org\/es\/loans-credit-cards\/consumer-loans\/","title":{"rendered":"Pr\u00e9stamos al consumo"},"content":{"rendered":"
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  1. Pr\u00e9stamos y Tarjetas<\/a>\n\t\t\t\t<\/polyline>\n\t\t\t<\/svg><\/li>
  2. Pr\u00e9stamos al consumo<\/li><\/ol><\/div><\/div>\t\t\t\t

    \n\t\t\t\t\tPR\u00c9STAMOS AL CONSUMIDOR\t\t\t\t<\/h1>\n\t\t\t\t

    Un pr\u00e9stamo pr\u00e1ctico para la vida real.<\/p>\t\t\t\t\t

    \n\t\t\t\t\t\tSolicita un pr\u00e9stamo<\/a>Ver tarifas actuales<\/a>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
    \n\t\t\t\t\t\"Dos\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/header>\n<\/div><\/div>\n\n
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    Empieza con una conversaci\u00f3n, no con una presentaci\u00f3n de ventas.<\/h2>

    Un pr\u00e9stamo debe ayudar a resolver un problema, no a crear otro. Cu\u00e9ntenos qu\u00e9 necesita, haga todas las preguntas que tenga y analice con claridad las opciones que mejor se adapten a sus necesidades. Su historial crediticio es importante, pero tambi\u00e9n lo es comprender su situaci\u00f3n. Incluso cuando la respuesta no sea sencilla, le escucharemos, le explicaremos las posibles soluciones y le ayudaremos a comprender el siguiente paso. Otros quiz\u00e1s no le hayan ayudado, pero nosotros s\u00ed.<\/p>\n<\/div>\t<\/div>\n<\/div><\/div>\n\n

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    Ventajas de los pr\u00e9stamos personales: un vistazo general<\/h2>\t\t<\/header>\n\t\t\t\t\t
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    \t\n\t\tMarca de verificaci\u00f3n<\/title>\n\t\t<path fill=\"#b5be34\" d=\"M30.443 32.441c-.069-.011-.138-.017-.207-.028l.121.115z\"\/><path fill=\"#b5be34\" d=\"M55.681 3.132H7.324A4.19 4.19 0 0 0 3.138 7.32v47.29a4.19 4.19 0 0 0 4.186 4.187h48.357a4.19 4.19 0 0 0 4.187-4.187V29.557a1.568 1.568 0 0 1 1.87-1.538V17.896a3.6 3.6 0 0 1-.684.985L33.634 47.05a3.7 3.7 0 0 1-2.65 1.129 3.67 3.67 0 0 1-2.234-.726 1.5 1.5 0 0 1-.472-.311L14.856 33.72a3.74 3.74 0 0 1 0-5.275l4.814-4.814c1.428-1.428 3.84-1.428 5.274 0l5.54 5.54c.074.075.184.15.455.173a.57.57 0 0 0 .391-.179l19.566-20.28a3.72 3.72 0 0 1 2.65-1.14h.01a3.73 3.73 0 0 1 2.66 1.094l4.809 4.808c.305.305.541.656.72 1.025V7.417a5.97 5.97 0 0 0-4.497-5.787 1.566 1.566 0 0 1-1.56 1.502z\"\/><path fill=\"#b5be34\" d=\"M55.388 12.443 54 11.056a.55.55 0 0 0-.27-.138l1.658 1.531z\"\/><path fill=\"#fff\" d=\"M53.574 10.883a.57.57 0 0 0-.42.184L33.599 31.342a3.72 3.72 0 0 1-2.649 1.14q-.25 0-.5-.035l-.087.087-.121-.116a3.7 3.7 0 0 1-1.964-1.024l-5.54-5.54a.6.6 0 0 0-.42-.173.6.6 0 0 0-.42.173l-4.814 4.814c-.23.23-.23.61 0 .84l13.1 13.1c.133.07.26.156.363.265.12.121.253.19.357.179h.07a.57.57 0 0 0 .42-.184l27.42-28.17a.607.607 0 0 0-.006-.834l-3.415-3.42-1.658-1.532a1 1 0 0 0-.155-.035z\"\/><path fill=\"#473124\" d=\"M56.217 8.839a3.76 3.76 0 0 0-2.66-1.094h-.012a3.7 3.7 0 0 0-2.649 1.14L31.342 29.159a.58.58 0 0 1-.392.179c-.27-.023-.38-.098-.455-.173l-5.54-5.54c-1.427-1.427-3.846-1.427-5.274 0l-4.814 4.814a3.74 3.74 0 0 0 0 5.275L28.29 47.136c.132.133.294.242.472.311a3.68 3.68 0 0 0 2.234.726 3.7 3.7 0 0 0 2.649-1.129l27.42-28.169c.288-.293.513-.633.685-.984a3.78 3.78 0 0 0 0-3.23 3.8 3.8 0 0 0-.72-1.026l-4.807-4.808zm-.83 3.604 3.415 3.42c.225.225.23.605.006.836l-27.42 28.169a.58.58 0 0 1-.42.178h-.07c-.103.012-.242-.057-.357-.178q-.164-.163-.363-.265l-13.1-13.1a.6.6 0 0 1 0-.84l4.814-4.815a.6.6 0 0 1 .42-.172c.156 0 .306.063.421.172l5.54 5.54a3.65 3.65 0 0 0 2.17 1.053q.243.035.501.035a3.7 3.7 0 0 0 2.65-1.14L53.147 11.06a.6.6 0 0 1 .42-.184c.046 0 .104.017.156.035a.66.66 0 0 1 .27.138l1.388 1.388z\"\/><path fill=\"#473124\" d=\"M61.739 28.02a1.568 1.568 0 0 0-1.871 1.537V54.61a4.19 4.19 0 0 1-4.187 4.187H7.324a4.19 4.19 0 0 1-4.186-4.187V7.32a4.19 4.19 0 0 1 4.186-4.187h48.357c.841 0 1.526-.667 1.56-1.502 0-.023.007-.04.007-.064C57.248.703 56.545 0 55.68 0H7.324C3.282-.006 0 3.276 0 7.319V54.61c0 4.037 3.282 7.325 7.324 7.325h48.357c4.037 0 7.319-3.282 7.319-7.325V29.557a1.57 1.57 0 0 0-1.261-1.538\"\/>\t<\/svg>\n<\/figure>\n\t\t\t\t\t\t<div class=\"co-card--body\">\n\t\t\t\t\t\t\t<h3 class=\"co-card--heading\" >Ayuda cuando la necesites<\/h3><div class=\"co-card--desc text-component\"><p>Obt\u00e9n ayuda para afrontar los imprevistos de la vida o cuando tu presupuesto no sea suficiente.<\/p>\n<\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"co-card\">\n\t\t\t\t\t\t<figure class=\"co-card--media\">\t<svg\n\t\tclass=\"co-card--icon Checkmark\"\n\t\tviewbox=\"0 0 63 62\"\n\t\twidth=\"63\"\n\t\theight=\"62\"\n\t>\n\t\t<title>Marca de verificaci\u00f3n<\/title>\n\t\t<path fill=\"#b5be34\" d=\"M30.443 32.441c-.069-.011-.138-.017-.207-.028l.121.115z\"\/><path fill=\"#b5be34\" d=\"M55.681 3.132H7.324A4.19 4.19 0 0 0 3.138 7.32v47.29a4.19 4.19 0 0 0 4.186 4.187h48.357a4.19 4.19 0 0 0 4.187-4.187V29.557a1.568 1.568 0 0 1 1.87-1.538V17.896a3.6 3.6 0 0 1-.684.985L33.634 47.05a3.7 3.7 0 0 1-2.65 1.129 3.67 3.67 0 0 1-2.234-.726 1.5 1.5 0 0 1-.472-.311L14.856 33.72a3.74 3.74 0 0 1 0-5.275l4.814-4.814c1.428-1.428 3.84-1.428 5.274 0l5.54 5.54c.074.075.184.15.455.173a.57.57 0 0 0 .391-.179l19.566-20.28a3.72 3.72 0 0 1 2.65-1.14h.01a3.73 3.73 0 0 1 2.66 1.094l4.809 4.808c.305.305.541.656.72 1.025V7.417a5.97 5.97 0 0 0-4.497-5.787 1.566 1.566 0 0 1-1.56 1.502z\"\/><path fill=\"#b5be34\" d=\"M55.388 12.443 54 11.056a.55.55 0 0 0-.27-.138l1.658 1.531z\"\/><path fill=\"#fff\" d=\"M53.574 10.883a.57.57 0 0 0-.42.184L33.599 31.342a3.72 3.72 0 0 1-2.649 1.14q-.25 0-.5-.035l-.087.087-.121-.116a3.7 3.7 0 0 1-1.964-1.024l-5.54-5.54a.6.6 0 0 0-.42-.173.6.6 0 0 0-.42.173l-4.814 4.814c-.23.23-.23.61 0 .84l13.1 13.1c.133.07.26.156.363.265.12.121.253.19.357.179h.07a.57.57 0 0 0 .42-.184l27.42-28.17a.607.607 0 0 0-.006-.834l-3.415-3.42-1.658-1.532a1 1 0 0 0-.155-.035z\"\/><path fill=\"#473124\" d=\"M56.217 8.839a3.76 3.76 0 0 0-2.66-1.094h-.012a3.7 3.7 0 0 0-2.649 1.14L31.342 29.159a.58.58 0 0 1-.392.179c-.27-.023-.38-.098-.455-.173l-5.54-5.54c-1.427-1.427-3.846-1.427-5.274 0l-4.814 4.814a3.74 3.74 0 0 0 0 5.275L28.29 47.136c.132.133.294.242.472.311a3.68 3.68 0 0 0 2.234.726 3.7 3.7 0 0 0 2.649-1.129l27.42-28.169c.288-.293.513-.633.685-.984a3.78 3.78 0 0 0 0-3.23 3.8 3.8 0 0 0-.72-1.026l-4.807-4.808zm-.83 3.604 3.415 3.42c.225.225.23.605.006.836l-27.42 28.169a.58.58 0 0 1-.42.178h-.07c-.103.012-.242-.057-.357-.178q-.164-.163-.363-.265l-13.1-13.1a.6.6 0 0 1 0-.84l4.814-4.815a.6.6 0 0 1 .42-.172c.156 0 .306.063.421.172l5.54 5.54a3.65 3.65 0 0 0 2.17 1.053q.243.035.501.035a3.7 3.7 0 0 0 2.65-1.14L53.147 11.06a.6.6 0 0 1 .42-.184c.046 0 .104.017.156.035a.66.66 0 0 1 .27.138l1.388 1.388z\"\/><path fill=\"#473124\" d=\"M61.739 28.02a1.568 1.568 0 0 0-1.871 1.537V54.61a4.19 4.19 0 0 1-4.187 4.187H7.324a4.19 4.19 0 0 1-4.186-4.187V7.32a4.19 4.19 0 0 1 4.186-4.187h48.357c.841 0 1.526-.667 1.56-1.502 0-.023.007-.04.007-.064C57.248.703 56.545 0 55.68 0H7.324C3.282-.006 0 3.276 0 7.319V54.61c0 4.037 3.282 7.325 7.324 7.325h48.357c4.037 0 7.319-3.282 7.319-7.325V29.557a1.57 1.57 0 0 0-1.261-1.538\"\/>\t<\/svg>\n<\/figure>\n\t\t\t\t\t\t<div class=\"co-card--body\">\n\t\t\t\t\t\t\t<h3 class=\"co-card--heading\" >Opciones claras<\/h3><div class=\"co-card--desc text-component\"><p>Antes de decidir, comprenda la tasa, el pago, el plazo y el costo total.<\/p>\n<\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"co-card\">\n\t\t\t\t\t\t<figure class=\"co-card--media\">\t<svg\n\t\tclass=\"co-card--icon Checkmark\"\n\t\tviewbox=\"0 0 63 62\"\n\t\twidth=\"63\"\n\t\theight=\"62\"\n\t>\n\t\t<title>Marca de verificaci\u00f3n<\/title>\n\t\t<path fill=\"#b5be34\" d=\"M30.443 32.441c-.069-.011-.138-.017-.207-.028l.121.115z\"\/><path fill=\"#b5be34\" d=\"M55.681 3.132H7.324A4.19 4.19 0 0 0 3.138 7.32v47.29a4.19 4.19 0 0 0 4.186 4.187h48.357a4.19 4.19 0 0 0 4.187-4.187V29.557a1.568 1.568 0 0 1 1.87-1.538V17.896a3.6 3.6 0 0 1-.684.985L33.634 47.05a3.7 3.7 0 0 1-2.65 1.129 3.67 3.67 0 0 1-2.234-.726 1.5 1.5 0 0 1-.472-.311L14.856 33.72a3.74 3.74 0 0 1 0-5.275l4.814-4.814c1.428-1.428 3.84-1.428 5.274 0l5.54 5.54c.074.075.184.15.455.173a.57.57 0 0 0 .391-.179l19.566-20.28a3.72 3.72 0 0 1 2.65-1.14h.01a3.73 3.73 0 0 1 2.66 1.094l4.809 4.808c.305.305.541.656.72 1.025V7.417a5.97 5.97 0 0 0-4.497-5.787 1.566 1.566 0 0 1-1.56 1.502z\"\/><path fill=\"#b5be34\" d=\"M55.388 12.443 54 11.056a.55.55 0 0 0-.27-.138l1.658 1.531z\"\/><path fill=\"#fff\" d=\"M53.574 10.883a.57.57 0 0 0-.42.184L33.599 31.342a3.72 3.72 0 0 1-2.649 1.14q-.25 0-.5-.035l-.087.087-.121-.116a3.7 3.7 0 0 1-1.964-1.024l-5.54-5.54a.6.6 0 0 0-.42-.173.6.6 0 0 0-.42.173l-4.814 4.814c-.23.23-.23.61 0 .84l13.1 13.1c.133.07.26.156.363.265.12.121.253.19.357.179h.07a.57.57 0 0 0 .42-.184l27.42-28.17a.607.607 0 0 0-.006-.834l-3.415-3.42-1.658-1.532a1 1 0 0 0-.155-.035z\"\/><path fill=\"#473124\" d=\"M56.217 8.839a3.76 3.76 0 0 0-2.66-1.094h-.012a3.7 3.7 0 0 0-2.649 1.14L31.342 29.159a.58.58 0 0 1-.392.179c-.27-.023-.38-.098-.455-.173l-5.54-5.54c-1.427-1.427-3.846-1.427-5.274 0l-4.814 4.814a3.74 3.74 0 0 0 0 5.275L28.29 47.136c.132.133.294.242.472.311a3.68 3.68 0 0 0 2.234.726 3.7 3.7 0 0 0 2.649-1.129l27.42-28.169c.288-.293.513-.633.685-.984a3.78 3.78 0 0 0 0-3.23 3.8 3.8 0 0 0-.72-1.026l-4.807-4.808zm-.83 3.604 3.415 3.42c.225.225.23.605.006.836l-27.42 28.169a.58.58 0 0 1-.42.178h-.07c-.103.012-.242-.057-.357-.178q-.164-.163-.363-.265l-13.1-13.1a.6.6 0 0 1 0-.84l4.814-4.815a.6.6 0 0 1 .42-.172c.156 0 .306.063.421.172l5.54 5.54a3.65 3.65 0 0 0 2.17 1.053q.243.035.501.035a3.7 3.7 0 0 0 2.65-1.14L53.147 11.06a.6.6 0 0 1 .42-.184c.046 0 .104.017.156.035a.66.66 0 0 1 .27.138l1.388 1.388z\"\/><path fill=\"#473124\" d=\"M61.739 28.02a1.568 1.568 0 0 0-1.871 1.537V54.61a4.19 4.19 0 0 1-4.187 4.187H7.324a4.19 4.19 0 0 1-4.186-4.187V7.32a4.19 4.19 0 0 1 4.186-4.187h48.357c.841 0 1.526-.667 1.56-1.502 0-.023.007-.04.007-.064C57.248.703 56.545 0 55.68 0H7.324C3.282-.006 0 3.276 0 7.319V54.61c0 4.037 3.282 7.325 7.324 7.325h48.357c4.037 0 7.319-3.282 7.319-7.325V29.557a1.57 1.57 0 0 0-1.261-1.538\"\/>\t<\/svg>\n<\/figure>\n\t\t\t\t\t\t<div class=\"co-card--body\">\n\t\t\t\t\t\t\t<h3 class=\"co-card--heading\" >Apoyo local<\/h3><div class=\"co-card--desc text-component\"><p>Habla con personas que te escuchen y te ayuden a analizar las opciones disponibles.<\/p>\n<\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n<\/div><\/div>\n\n<div class=\"co-flex_row next_row__product-comparison co-flex_row__full-width-promo\"><div class=\"co-flex_row--row co-row\"><div class=\"co-fwp--block\">\n\t\t\t<div class=\"co-promo co-promo__full_width js-promo\" data-promotitle=\"Christmas Loan Special\" data-promostate=\"static\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.heritagesouth.org\/es\/prestamo-especial-de-navidad\/\" class=\"co-promo--img_link promo_img_link\">\n\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"489\" height=\"312\" src=\"https:\/\/www.heritagesouth.org\/files\/Christmas.jpg\" class=\"co-promo--img\" alt=\"Especial de Navidad\" srcset=\"https:\/\/www.heritagesouth.org\/files\/Christmas.jpg 489w, https:\/\/www.heritagesouth.org\/files\/Christmas-18x12.jpg 18w, https:\/\/www.heritagesouth.org\/files\/Christmas-396x253.jpg 396w, https:\/\/www.heritagesouth.org\/files\/Christmas-75x48.jpg 75w\" sizes=\"auto, (max-width: 489px) 100vw, 489px\" \/>\t\t\t\t<\/a>\n\t\t\t\t\t\t<div class=\"co-promo--text text-component promo_text_wrap\">\n\t\t\t\t<span class=\"co-promo--label\">Promo<\/span>\n\t\t\t\t<h2 class=\"co-promo--title\">\n\t\t\t\t\tOferta especial de pr\u00e9stamos navide\u00f1os\t\t\t\t<\/h2>\n\t\t\t\t<p>Si te preocupan tus finanzas durante las fiestas, tu cooperativa de cr\u00e9dito podr\u00eda ayudarte. Recuerda: \u00a1Te ayudamos cuando otros no lo hacen!<\/p>\n\t\t\t\t<a class=\"co-promo--button co-button gtm-button\" href=\"https:\/\/www.heritagesouth.org\/es\/prestamo-especial-de-navidad\/\" >M\u00e1s informaci\u00f3n<\/a>\t\t\t\t\t\t\t\t\t<div class=\"co-promo--disclosure\">\n\t\t\t\t\t\t<p><em>Se aplican requisitos de cr\u00e9dito<\/em><\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div>\n\n<div class=\"co-flex_row next_row__single-path-cta co-flex_row__product-comparison\"><div class=\"co-flex_row--row co-row\">\t<section class=\"co-comp_table_outer_wrap js-comp_table\">\n\t\t\t\t<header class=\"co-intro_text has_intro\">\n\t\t\t<h2 class=\"co-intro_text--title\">Encuentra una opci\u00f3n que se ajuste a tus necesidades.<\/h2><div class=\"co-intro_text--intro text-component\"><p>Compare de un vistazo nuestras principales opciones de pr\u00e9stamos al consumo.<\/p>\n<\/div>\t\t<\/header>\n\t\t\t\t<div class=\"co-comp_table_wrap\">\n\t\t\t\t\t\t\t<div class=\"co-comp_table co-comp_table__key_0\">\n\t\t\t\t\t<div class=\"co-comp_item\">\n\t\t\t\t\t\t<div class=\"co-comp_item--title js-comp_table_title text-component\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<ul class=\"co-comp_item--list js-comp_table_list\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"co-comp_item--item js-comp_table_cell\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"co-comp_item--name\">\n\t\t\t\t\t\t\t\t\t\t<p>Resumen del producto<\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"co-comp_item--value text-component\">\n\t\t\t\t\t\t\t\t\t\t<p>Resumen del producto<\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"co-comp_item--item js-comp_table_cell\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"co-comp_item--name\">\n\t\t\t\t\t\t\t\t\t\t<p>TAE actual<\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"co-comp_item--value text-component\">\n\t\t\t\t\t\t\t\t\t\t<p>TAE actual<\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"co-comp_item--item js-comp_table_cell\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"co-comp_item--name\">\n\t\t\t\t\t\t\t\t\t\t<p>T\u00e9rmino<\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"co-comp_item--value text-component\">\n\t\t\t\t\t\t\t\t\t\t<p>T\u00e9rmino<\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"co-comp_item--item js-comp_table_cell\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"co-comp_item--name\">\n\t\t\t\t\t\t\t\t\t\t<p>Monto del pr\u00e9stamo<\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"co-comp_item--value text-component\">\n\t\t\t\t\t\t\t\t\t\t<p>Monto del pr\u00e9stamo<\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"co-comp_item--item js-comp_table_cell\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"co-comp_item--name\">\n\t\t\t\t\t\t\t\t\t\t<p>Estructura de pago<\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"co-comp_item--value text-component\">\n\t\t\t\t\t\t\t\t\t\t<p>Estructura de pago<\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"co-comp_item--item js-comp_table_cell co-comp_item--item__last\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"co-comp_item--name\">\n\t\t\t\t\t\t\t\t\t\t<p>Lo mejor para<\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"co-comp_item--value text-component\">\n\t\t\t\t\t\t\t\t\t\t<p>Lo mejor para<\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"co-comp_table co-comp_table__key_1\">\n\t\t\t\t\t<div class=\"co-comp_item\">\n\t\t\t\t\t\t<div class=\"co-comp_item--title js-comp_table_title text-component\">\n\t\t\t\t\t\t\t<p>Pr\u00e9stamo personal<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<ul class=\"co-comp_item--list js-comp_table_list\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"co-comp_item--item js-comp_table_cell\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"co-comp_item--name\">\n\t\t\t\t\t\t\t\t\t\t<p>Resumen del producto<\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"co-comp_item--value text-component\">\n\t\t\t\t\t\t\t\t\t\t<p>Solicita un pr\u00e9stamo por una cantidad fija para una compra planificada o un gasto imprevisto. No se requiere garant\u00eda, por lo que no necesitas ofrecer bienes ni ahorros como aval.<\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"co-comp_item--item js-comp_table_cell\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"co-comp_item--name\">\n\t\t\t\t\t\t\t\t\t\t<p>TAE actual<\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"co-comp_item--value text-component\">\n\t\t\t\t\t\t\t\t\t\t<p>10.45%\u201318.00%<\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"co-comp_item--item js-comp_table_cell\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"co-comp_item--name\">\n\t\t\t\t\t\t\t\t\t\t<p>T\u00e9rmino<\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"co-comp_item--value text-component\">\n\t\t\t\t\t\t\t\t\t\t<p>Hasta 36 meses<\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"co-comp_item--item js-comp_table_cell\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"co-comp_item--name\">\n\t\t\t\t\t\t\t\t\t\t<p>Monto del pr\u00e9stamo<\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"co-comp_item--value text-component\">\n\t\t\t\t\t\t\t\t\t\t<p>Basado en los ingresos anuales y la solvencia crediticia.<\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"co-comp_item--item js-comp_table_cell\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"co-comp_item--name\">\n\t\t\t\t\t\t\t\t\t\t<p>Estructura de pago<\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"co-comp_item--value text-component\">\n\t\t\t\t\t\t\t\t\t\t<p>Pagos mensuales fijos<\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"co-comp_item--item js-comp_table_cell co-comp_item--item__last\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"co-comp_item--name\">\n\t\t\t\t\t\t\t\t\t\t<p>Lo mejor para<\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"co-comp_item--value text-component\">\n\t\t\t\t\t\t\t\t\t\t<p>Gastos \u00fanicos con un plazo de amortizaci\u00f3n fijo.<\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"co-comp_table co-comp_table__key_2\">\n\t\t\t\t\t<div class=\"co-comp_item\">\n\t\t\t\t\t\t<div class=\"co-comp_item--title js-comp_table_title text-component\">\n\t\t\t\t\t\t\t<p>L\u00ednea de cr\u00e9dito Signature<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<ul class=\"co-comp_item--list js-comp_table_list\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"co-comp_item--item js-comp_table_cell\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"co-comp_item--name\">\n\t\t\t\t\t\t\t\t\t\t<p>Resumen del producto<\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"co-comp_item--value text-component\">\n\t\t\t\t\t\t\t\t\t\t<p>Mant\u00e9n disponible una fuente de fondos aprobada para cubrir los gastos elegibles a medida que surjan. Utiliza tu l\u00ednea de cr\u00e9dito cuando la necesites, reembolsa lo que uses y vuelve a acceder al cr\u00e9dito disponible.<\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"co-comp_item--item js-comp_table_cell\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"co-comp_item--name\">\n\t\t\t\t\t\t\t\t\t\t<p>TAE actual<\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"co-comp_item--value text-component\">\n\t\t\t\t\t\t\t\t\t\t<p>10.45%\u201318.00%<\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"co-comp_item--item js-comp_table_cell\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"co-comp_item--name\">\n\t\t\t\t\t\t\t\t\t\t<p>T\u00e9rmino<\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"co-comp_item--value text-component\">\n\t\t\t\t\t\t\t\t\t\t<p>L\u00ednea rotativa (reembolso basado en una amortizaci\u00f3n del saldo a 36 meses)<\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"co-comp_item--item js-comp_table_cell\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"co-comp_item--name\">\n\t\t\t\t\t\t\t\t\t\t<p>Monto del pr\u00e9stamo<\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"co-comp_item--value text-component\">\n\t\t\t\t\t\t\t\t\t\t<p>Basado en los ingresos anuales y la solvencia crediticia.<\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"co-comp_item--item js-comp_table_cell\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"co-comp_item--name\">\n\t\t\t\t\t\t\t\t\t\t<p>Estructura de pago<\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"co-comp_item--value text-component\">\n\t\t\t\t\t\t\t\t\t\t<p>Pagos variables basados en el saldo pendiente<\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"co-comp_item--item js-comp_table_cell co-comp_item--item__last\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"co-comp_item--name\">\n\t\t\t\t\t\t\t\t\t\t<p>Lo mejor para<\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"co-comp_item--value text-component\">\n\t\t\t\t\t\t\t\t\t\t<p>Acceso continuo o repetido a los fondos<\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"co-comp_table co-comp_table__key_3\">\n\t\t\t\t\t<div class=\"co-comp_item\">\n\t\t\t\t\t\t<div class=\"co-comp_item--title js-comp_table_title text-component\">\n\t\t\t\t\t\t\t<p>Pr\u00e9stamo con garant\u00eda de ahorros<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<ul class=\"co-comp_item--list js-comp_table_list\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"co-comp_item--item js-comp_table_cell\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"co-comp_item--name\">\n\t\t\t\t\t\t\t\t\t\t<p>Resumen del producto<\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"co-comp_item--value text-component\">\n\t\t\t\t\t\t\t\t\t\t<p>Utilice los fondos elegibles de su cuenta de ahorros o certificado de Heritage South como garant\u00eda mientras mantiene sus ahorros depositados.<\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"co-comp_item--item js-comp_table_cell\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"co-comp_item--name\">\n\t\t\t\t\t\t\t\t\t\t<p>TAE actual<\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"co-comp_item--value text-component\">\n\t\t\t\t\t\t\t\t\t\t<p>2% por encima de la tasa de ahorro o certificado<\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"co-comp_item--item js-comp_table_cell\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"co-comp_item--name\">\n\t\t\t\t\t\t\t\t\t\t<p>T\u00e9rmino<\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"co-comp_item--value text-component\">\n\t\t\t\t\t\t\t\t\t\t<p>En funci\u00f3n de la disponibilidad de garant\u00edas<\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"co-comp_item--item js-comp_table_cell\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"co-comp_item--name\">\n\t\t\t\t\t\t\t\t\t\t<p>Monto del pr\u00e9stamo<\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"co-comp_item--value text-component\">\n\t\t\t\t\t\t\t\t\t\t<p>Basado en los ahorros comprometidos o el saldo del certificado.<\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"co-comp_item--item js-comp_table_cell\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"co-comp_item--name\">\n\t\t\t\t\t\t\t\t\t\t<p>Estructura de pago<\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"co-comp_item--value text-component\">\n\t\t\t\t\t\t\t\t\t\t<p>Pagos mensuales fijos o basados en intereses<\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"co-comp_item--item js-comp_table_cell co-comp_item--item__last\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"co-comp_item--name\">\n\t\t\t\t\t\t\t\t\t\t<p>Lo mejor para<\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"co-comp_item--value text-component\">\n\t\t\t\t\t\t\t\t\t\t<p>Generar historial crediticio con fondos garantizados.<\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<div class=\"co-comp_table_cta text-component\"><p><a href=\"https:\/\/www.heritagesouth.org\/es\/tasas\/\">Ver tarifas actuales<\/a><\/p>\n<\/div>\t<\/section>\n\t<\/div><\/div>\n\n<div class=\"co-flex_row next_row__multi-path-cta co-flex_row__single-path-cta\"><div class=\"co-flex_row--row co-row\">\t<div class=\"co-sp_cta\">\n\t\t<h2 class=\"co-sp_cta--headline\">Un poco de ayuda cuando m\u00e1s la necesitas<\/h2><div class=\"co-sp_cta--desc\"><p class=\"isSelectedEnd\">Un gasto inesperado puede desbaratar incluso el presupuesto m\u00e1s cuidadoso. Rally Loan ofrece una opci\u00f3n de bajo monto para miembros que cumplan con los requisitos y necesiten 500 o 1000 d\u00f3lares sin tener que recurrir a un pr\u00e9stamo de d\u00eda de pago con altos costos. Adem\u00e1s, acumular\u00e1s ahorros a medida que pagues, lo que te ayudar\u00e1 a prepararte para el pr\u00f3ximo imprevisto.<\/p>\n<\/div><a class=\"co-sp_cta--button gtm-button\" href=\"https:\/\/www.heritagesouth.org\/es\/prestamos-tarjetas-de-credito\/prestamos-al-consumo\/prestamo-de-rally\/\" >Explora los pr\u00e9stamos para rally<\/a>\t<\/div>\n<\/div><\/div>\n\n<div class=\"co-flex_row next_row__back-to-top co-flex_row__multi-path-cta\"><div class=\"co-flex_row--row co-row\">\t<div class=\"co-mp_ctas\">\n\t\t\t\t<header class=\"co-intro_text\">\n\t\t\t<h2 class=\"co-intro_text--title\">\u00bfListo para dar el siguiente paso?<\/h2>\t\t<\/header>\n\t\t\t\t<div class=\"co-mp_ctas--list prow justify-center\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"co-mp_cta pcol-lg:4\">\n\t\t\t\t\t<div class=\"co-mp_cta--title\">\n\t\t\t\t\t\tSolicitar un pr\u00e9stamo\t\t\t\t\t<\/div>\n\t\t\t\t\t<a class=\"co-mp_cta--link gtm-button\" href=\"https:\/\/www.heritagesouth.org\/es\/solicitar-prestamo\/\" >Comience<\/a>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"co-mp_cta pcol-lg:4\">\n\t\t\t\t\t<div class=\"co-mp_cta--title\">\n\t\t\t\t\t\tVisite una sucursal\t\t\t\t\t<\/div>\n\t\t\t\t\t<a class=\"co-mp_cta--link gtm-button\" href=\"https:\/\/www.heritagesouth.org\/es\/ubicaciones-cajeros-automaticos\/\" >Encu\u00e9ntranos cerca de ti<\/a>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"co-mp_cta pcol-lg:4\">\n\t\t\t\t\t<div class=\"co-mp_cta--title\">\n\t\t\t\t\t\tHabla con nuestro equipo.\t\t\t\t\t<\/div>\n\t\t\t\t\t<a class=\"co-mp_cta--link gtm-button\" href=\"https:\/\/www.heritagesouth.org\/es\/preguntas-frecuentes-faq\/contactanos\/\" >Cont\u00e1ctanos<\/a>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/div><\/div>\n\n<div class=\"co-flex_row co-flex_row__last co-flex_row__back-to-top\"><div class=\"co-flex_row--row co-row\"><div class=\"co-back_top\">\n\t<a class=\"co-back_top--link\" href=\"#\">\n\tVolver arriba\t<img loading=\"lazy\" decoding=\"async\" class=\"co-back_top--link_icon\" src=\"https:\/\/www.heritagesouth.org\/wp-content\/themes\/heritagesouth-theme\/images\/back-to-top-arrow.svg\" width=\"33\" height=\"33\" alt=\"\" aria-hidden=\"true\">\n\t<\/a>\n<\/div>\n<\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>A loan should help solve a problem, not create another one. Tell us what you need, ask all the questions you have, and get a clear look at the options that may fit. Your credit matters, but so does understanding your situation. Even when the answer is not simple, we\u2019ll listen, explain what may be possible, and help you understand … <a href=\"https:\/\/www.heritagesouth.org\/es\/loans-credit-cards\/consumer-loans\/\">Continue reading <span class=\"meta-nav\">\u2192<\/span><\/a><\/p>","protected":false},"author":12,"featured_media":0,"parent":2651,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_searchwp_excluded":"","footnotes":""},"class_list":["post-2663","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Consumer Loans - Heritage South Community Credit Union<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.heritagesouth.org\/es\/prestamos-tarjetas-de-credito\/prestamos-al-consumo\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Consumer Loans - Heritage South Community Credit Union\" \/>\n<meta property=\"og:description\" content=\"A loan should help solve a problem, not create another one. Tell us what you need, ask all the questions you have, and get a clear look at the options that may fit. Your credit matters, but so does understanding your situation. 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