Appliication Requirements

1. PROOF OF INCOME - NO LOAN, VISA APPLICATION OR VISA INCREASE WILL BE CONSIDERED WITHOUT INCOME VERIFICATION. IF EMPLOYED AT COUNTY OR STATE LEVEL YOUR MOST RECENT PAYSTUB IS REQUIRED. IF YOU ARE NOT EMPLOYED AT COUNTY OR STATE LEVEL YOU ARE REQUIRED TO PROVIDE TWO CURRENT CONSECUTIVE RECENT PAYSTUBS. SUBMISSION OF TAX RETURNS REQUIRES TWO MOST RECENT TAX YEARS FILED. DIRECT DEPOSIT OF PENSION & SOCIAL SECURITY REQUIRES MOST RECENT BANK STATEMENT
2. AUTO LOAN: PURCHASE AGREEMENT WITH YEAR, MAKE. MODEL & VEHICLE I.D. NUMBER. INSURANCE CERTIFICATE NAMING THE CREDIT UNION (ECECU) AS LOSS PAYEE.
3. REFINANCING YOUR CURRENT AUTO LOAN: IF YOU ARE REFINANCING AN EXISTING AUTO LOAN FROM ANOTHER FINANCIAL INSTITUTION, WE NEED THE FOLLOWING: ORIGINAL TITLE, 10 DAY WRITTEN PAYOFF, CURRENT MILES ON AUTO, ACCOUNT NUMBER AND MAILING ADDRESS FOR PAYOFF.
4. PERSONAL LOANS: 10% OF THE TOTAL LOAN AMOUNT MAY BE REQUIRED FOR SOME UNSECURED LOANS.
5. PLEASE ALLOW 48 HOURS FOR YOUR APPLICATION TO BE REVIEWED.
6. PROMISSORY NOTE SENT OUTSIDE THE CREDIT UNION OFFICE MUST BE NOTARIZED. NO FUNDS WILL BE DISBURSED UNTIL ORIGINAL NOTARIZED PROMISSORY NOTE IS RETURNED TO THE CREDIT UNION.

IMPORTANT NOTICE

IN ORDER TO APPROVE A LOAN, ALL INFORMATION MUST BE COMPLETED. IF YOU ARE AWARE OF ANY COLLECTION ACCOUNTS, JUDGMENTS OR TAX LIENS, WHICH MAY APPEAR ON YOUR CREDIT REPORT, PROOF OF SATISFACTION SHOULD BE PROVIDED WITH THE LOAN APPLICATION.