{"id":2567,"date":"2025-03-11T17:43:06","date_gmt":"2025-03-12T00:43:06","guid":{"rendered":"https:\/\/www.pcfcu.org\/epal\/"},"modified":"2025-11-03T09:50:05","modified_gmt":"2025-11-03T17:50:05","slug":"epal","status":"publish","type":"page","link":"https:\/\/www.pcfcu.org\/es\/epal\/","title":{"rendered":"EPAL"},"content":{"rendered":"<div class=\"co-flex_row co-flex_row__white co-flex_row__page-hero\" ><div class=\"co-flex_row--row co-row\">\t<header class=\"co-page_hero  co-page_hero__has_image display-img-desktop display-img-mobile\" aria-label=\"Encabezado: Pr\u00e9stamo de anticipo de sueldo de emergencia\">\n\t\t<div class=\"co-page_hero--inner\">\n\t\t\t<div class=\"prow gap:5\">\n\t\t\t\t\t\t\t\t\t<div class=\"co-page_hero--img_wrap pcol-lg:6\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"840\" height=\"560\" src=\"https:\/\/www.pcfcu.org\/files\/PCFCU-0099-scaled-1-840x560.jpg\" class=\"co-page_hero--img\" alt=\"Un miembro sentado en un escritorio y sonriendo.\" srcset=\"https:\/\/www.pcfcu.org\/files\/PCFCU-0099-scaled-1-840x560.jpg 840w, https:\/\/www.pcfcu.org\/files\/PCFCU-0099-scaled-1-540x360.jpg 540w, https:\/\/www.pcfcu.org\/files\/PCFCU-0099-scaled-1-730x487.jpg 730w, https:\/\/www.pcfcu.org\/files\/PCFCU-0099-scaled-1-768x512.jpg 768w, https:\/\/www.pcfcu.org\/files\/PCFCU-0099-scaled-1-1536x1024.jpg 1536w, https:\/\/www.pcfcu.org\/files\/PCFCU-0099-scaled-1-2048x1366.jpg 2048w, https:\/\/www.pcfcu.org\/files\/PCFCU-0099-scaled-1-18x12.jpg 18w, https:\/\/www.pcfcu.org\/files\/PCFCU-0099-scaled-1-396x264.jpg 396w, https:\/\/www.pcfcu.org\/files\/PCFCU-0099-scaled-1-75x50.jpg 75w\" sizes=\"auto, (max-width: 840px) 100vw, 840px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"co-page_hero--text pcol-lg:6\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"co-page_hero--text_inner\">\n\t\t\t\t\t\t\t\t\t\t\t\t<h1 class=\"co-page_hero--title\">\n\t\t\t\t\t\t\tPr\u00e9stamo de anticipo de sueldo de emergencia\t\t\t\t\t\t<\/h1>\n\t\t\t\t\t\t<p class=\"co-page_hero--tagline\">Pr\u00e9stamo personal de bajo inter\u00e9s para nuestros miembros<\/p>\t\t\t\t\t\t\t<div class=\"co-page_hero--buttons\">\n\t\t\t\t\t\t\t\t<a class=\"co-page_hero--button gtm-button\" href=\"https:\/\/www.pcfcu.org\/es\/speed-bump\/?url=https%3A%2F%2Foriginate.pcfcu.org%2FKDaSWwPyjcFUGPP%2Fgetting-started%2Flanding-page&#038;prev=https%3A%2F%2Fwww.pcfcu.org%2Fes%2Fepal%2F\"  >Aplicar ahora<\/a>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/header>\n<\/div><\/div>\n\n<div class=\"co-flex_row co-flex_row__white co-flex_row__columns\" ><div class=\"co-flex_row--row co-row\">\t<div class=\"co-columns\">\n\t\t\t\t<header class=\"co-intro_text\">\n\t\t\t<h2 class=\"co-intro_text--title\">Detalles del pr\u00e9stamo EPAL<\/h2>\t\t<\/header>\n\t\t\t\t\t<div class=\"co-columns--row prow prow-md:2 prow-lg:4 co-columns--row__no_media justify-center\">\n\t\t\t\t\t\t\t\t\t<div class=\"co-columns--box\">\n\t\t\t\t\t\t<h3 class=\"co-columns--box_headline\" >\u00bfQu\u00e9 es la tasa de inter\u00e9s?<\/h3><div class=\"co-columns--box_desc text-component\"><p>Para los miembros que ya hayan establecido un dep\u00f3sito directo, la tasa de inter\u00e9s es de 0.00% TAE*. Si no ha establecido un dep\u00f3sito directo con Peninsula, no hay problema: su tasa de inter\u00e9s ser\u00eda de 1.00% TAE*.<\/p>\n<\/div>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"co-columns--box\">\n\t\t\t\t\t\t<h3 class=\"co-columns--box_headline\" >\u00bfPor cu\u00e1nto tiempo es el pr\u00e9stamo?<\/h3><div class=\"co-columns--box_desc text-component\"><p>La duraci\u00f3n o \u201cplazo\u201d del pr\u00e9stamo ser\u00e1 entre 6 meses y 18 meses dependiendo de sus circunstancias individuales.<\/p>\n<\/div>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"co-columns--box\">\n\t\t\t\t\t\t<h3 class=\"co-columns--box_headline\" >\u00bfCuando es el primer pago?<\/h3><div class=\"co-columns--box_desc text-component\"><p>Podemos posponer su primer pago hasta 90 d\u00edas despu\u00e9s.<\/p>\n<\/div>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"co-columns--box\">\n\t\t\t\t\t\t<h3 class=\"co-columns--box_headline\" >Asesor\u00eda financiera<\/h3><div class=\"co-columns--box_desc text-component\"><p>Tambi\u00e9n queremos que completes un presupuesto para que podamos revisar tus finanzas contigo. Buscaremos diferentes maneras de optimizar tus finanzas mensuales.<\/p>\n<\/div>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"co-columns--box\">\n\t\t\t\t\t\t<h3 class=\"co-columns--box_headline\" >\u00bfCu\u00e1nto puedo obtener?<\/h3><div class=\"co-columns--box_desc text-component\"><p>El monto del pr\u00e9stamo es una vez y media su ingreso mensual neto o $10,000, lo que sea menor.<\/p>\n<\/div>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"co-columns--box\">\n\t\t\t\t\t\t<h3 class=\"co-columns--box_headline\" >\u00bfHay alguna tarifa?<\/h3><div class=\"co-columns--box_desc text-component\"><p>Un pr\u00e9stamo EPAL no tiene costo alguno.<\/p>\n<\/div>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"co-columns--box\">\n\t\t\t\t\t\t<h3 class=\"co-columns--box_headline\" >\u00bfQu\u00e9 pasa si tengo mal cr\u00e9dito?<\/h3><div class=\"co-columns--box_desc text-component\"><p>Consultamos su puntaje crediticio, pero este historial no se aplica a la evaluaci\u00f3n de riesgos. Lo combinamos con otros recursos de educaci\u00f3n financiera para ayudarle a mejorar su situaci\u00f3n.<\/p>\n<\/div>\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 co-flex_row__white co-flex_row__testimonial\" ><div class=\"co-flex_row--row co-row\">\t<div class=\"co-testis co-testis__green\">\n\t\t\t\t<div class=\"co-testi gap-y-lg:0 co-testi__with_image prow\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"co-testi--img_wrap pcol:12 pcol-lg:4\">\n\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"396\" height=\"396\" src=\"https:\/\/www.pcfcu.org\/files\/cropped-PCU-Perks-NOW-396x396.png\" class=\"co-testi--img\" alt=\"Beneficios de PCU recortados AHORA.png\" srcset=\"https:\/\/www.pcfcu.org\/files\/cropped-PCU-Perks-NOW-396x396.png 396w, https:\/\/www.pcfcu.org\/files\/cropped-PCU-Perks-NOW-150x150.png 150w, https:\/\/www.pcfcu.org\/files\/cropped-PCU-Perks-NOW-12x12.png 12w, https:\/\/www.pcfcu.org\/files\/cropped-PCU-Perks-NOW-75x75.png 75w, https:\/\/www.pcfcu.org\/files\/cropped-PCU-Perks-NOW-270x270.png 270w, https:\/\/www.pcfcu.org\/files\/cropped-PCU-Perks-NOW-192x192.png 192w, https:\/\/www.pcfcu.org\/files\/cropped-PCU-Perks-NOW-180x180.png 180w, https:\/\/www.pcfcu.org\/files\/cropped-PCU-Perks-NOW-32x32.png 32w, https:\/\/www.pcfcu.org\/files\/cropped-PCU-Perks-NOW.png 512w\" sizes=\"auto, (max-width: 396px) 100vw, 396px\" \/>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<blockquote class=\"co-testi--quote pcol:12 pcol-lg:8\">\n\t\t\t\t<div class=\"co-testi--quote_text text-component\">\n\t\t\t\t\t<p>Escuchamos, Servimos, Educamos, Nos Preocupamos\u2026 \u00a1Siempre! Como cooperativa financiera propiedad de nuestros socios y comprometida con la filosof\u00eda de las cooperativas de cr\u00e9dito de &quot;ayudar a otros&quot;, especialmente en momentos de necesidad, Peninsula Credit Union est\u00e1 aqu\u00ed para ayudarle a aliviar sus preocupaciones financieras en esta dif\u00edcil situaci\u00f3n.<\/p>\n\t\t\t\t<\/div>\n\t\t\t\t<cite class=\"co-testi--attr\">\n\t\t\t\t\tJim Morrell, presidente y director ejecutivo\t\t\t\t<\/cite>\n\t\t\t<\/blockquote>\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div>\n\n<div class=\"co-flex_row co-flex_row__white co-flex_row__last co-flex_row__disclosures\" ><div class=\"co-flex_row--row co-row\">\t<div class=\"co-disclosures\">\n\t\t<h2 class=\"co-disclosures--title\">Divulgaciones<\/h2>\n\t\t<dl class=\"co-disclosures--list\">\n\t\t\t\t\t\t\t<div class=\"co-disclosure\">\n\t\t\t\t\t<dd class=\"co-disclosure--desc\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"text-component\"><p>*TAE = Tasa de Porcentaje Anual (TAE). La aprobaci\u00f3n del pr\u00e9stamo est\u00e1 sujeta a las directrices de suscripci\u00f3n de Peninsula Credit Union. Ejemplo de pago: $555.56 al mes con un plazo de 18 meses, $10,000 con un TAE de 0.00% o $559.98 al mes con un plazo de 18 meses, $10,000 con un TAE de 1.00%. El primer pago puede retrasarse hasta 90 d\u00edas. Los intereses se acumulan desde la fecha de desembolso del pr\u00e9stamo y se cobrar\u00e1n en el primer pago. Se aplican t\u00e9rminos y condiciones.<\/p>\n<\/div>\t\t\t\t\t<\/dd>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/dl>\n\t<\/div>\n<\/div><\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":10,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-2567","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>EPAL - Peninsula CU<\/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.pcfcu.org\/es\/epal\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"EPAL - Peninsula CU\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.pcfcu.org\/es\/epal\/\" \/>\n<meta property=\"og:site_name\" content=\"Peninsula CU\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/PeninsulaCreditUnion\" \/>\n<meta property=\"article:modified_time\" content=\"2025-11-03T17:50:05+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@pcfcuwa\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.pcfcu.org\/epal\/\",\"url\":\"https:\/\/www.pcfcu.org\/epal\/\",\"name\":\"EPAL - 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