Our loans, like with any institution, go through an approval process that looks at a persons credit history. You do not need perfect credit to get approved for our Loans. Our loans can be made available to people with average or even below-average credit. Of course, credit score and history is not the only thing we at for when our members apply for a loan. Income and existing obligations are also taken into consideration. That being said the offered interest rate may vary slightly from one approved loan to another because of the higher risk associated with having a lower credit score.

It is our hope that this Debt Consolidation Program can help you more easily manage your debts, leading to improved credit.

After completing the loan paperwork, the credit union will forward payment to your current lenders, based on the information you've provided, on your behalf. 

No. We have no prepayment penalties on any of our Personal, Auto, Debt or Share-Secured loans. For example, if you pay the entire loan off after one month, you will only pay the interest that accrued over that period of time.