Loan Scenarios

Does my Husband need to come into the branch with me to be added to the loan application?

• Yes

• No

I have several charges offs and collection items on my credit report. Is there anything that you can offer me to help build my credit?

• Share Secure Loan

• Auto loan

• Checking Account

• Share Secure Credit Card

​ (a)   When pulling a credit report a phone number mismatch appears. What should the MSR do?​

• Call the phone number
• Ignore it

I just started working at my company 1 week ago, what else can I provide as proof of income?

What are interest rates based on?

• Paper Grades

• Income

• Employment

• References

Can I include my spouse's income on the application if my spouse will not be added to the application?

• Yes
• No
• Maybe
• Not sure

Is a credit check required for all applications?

• Yes
• No
• Maybe
• Not sure

Can I apply for a loan if I have a low credit score?

• Yes

• No

• Maybe

• Absolutely Not

Does HFCU charge a loan application fee?

• Yes
• No
• Maybe
• Not sure

Can I submit a loan application online?

• Yes
• No
• Maybe
• Not sure