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Frequently Asked Questions on Loans
Can I get an add on to my loan?

No. We do not add on to existing loans any longer. However you may be able to get a second loan.


Do you need to pull my credit report?

Yes. We will be pulling a credit report for each loan request over 60 days.


How much can I borrow?

It’s best to complete a loan application entirely and put an amount that you need and the purpose of your loan.


How long does it take to get a loan?

Usually within 3 business days however may be longer depending on amount of loan applications received at a given time due to loan specials that the credit union may be offering.


Do I have to put money down if I want to purchase a car?

It depends on your credit and value of the vehicle based on Kelly Blue Book or NADA and the amount you wish to borrow.


What types of loans do you offer?

The credit union offers personal loans, auto, motorcycles, boats, RV’s, 1st mortgages, home equity, share or cd secured loans, and VISA credit cards.


Can I get an emergency loan?

Yes. You will need to submit a completed loan application, proof of income, and proof of emergency. The maximum is $1,000 for up to 12 months @ 17.99% APR.


What is a pledge on a loan?

The credit union has a pledge on personal loans and you may be required to pledge 10% of the loan amount in your share account. You earn interest on that money held and will be secured till you pay off the loan.


Is there a penalty for paying off a loan early?

No. There is no prepayment penalty and you may pay off your loan anytime you wish.


Can I pay more than my payment?

Yes. You can pay more than your scheduled payment amount. Any amount more than the scheduled payment will go to principal and you will still be required to make your next scheduled payment. Paying double or a lump sum payment doesn’t allow to skip future payments.



More Questions? Email or call us toll-free at (877) 922-2822!