Apply for a loan or check your loan application status

For the fastest service, apply using Digital Banking. 

Apply for a loan in Digital Banking 

  1. Sign in to Digital Banking.

  2. Under Account Services, select Apply for a Loan or Credit Card.

View your loan application status

  1. Sign in to Digital Banking

  2. Under Account Services, select Apply for a Loan or Credit Card

  3. Select View/Edit Application

Applying for a loan FAQs

No, there is no fee to apply for most UNFCU loans.

You should lift the freeze before you apply for a loan.

You must be a UNFCU member to apply for a UNFCU loan.

All UNFCU loans are in US dollars (USD).

Unsecured loan rates are determined based on a number of risk factors, such as the stability of the currency you earn. These factors are important considerations because they can directly affect your ability to repay your loan. All loans are funded by member deposits, so it is our top priority to protect their money. 

Factors that help determine a member's rate include: 

  • Length of employment 
  • Income 
  • Existing loans 
  • Other expenses 
  • Loan payment history 
  • Length of UNFCU membership 
  • Country of employment 
  • Currency of income 
  • Term of the loan

For unsecured loans and secured auto loans, the term of your loan is one of several factors that determine the rate. The term of the loan does not impact the rate for a secured with deposit loan. For lines of credit, including credit cards, term is not applicable. 

You can select your term as part of the application process. Loans with shorter terms usually have lower interest costs but higher monthly payments than loans with longer terms. Term options range from six to 180 months, depending on the loan. The loan officer who reviews your application may contact you to discuss a different term than the one you selected. This will be based on our assessment of how much you can afford to pay each month.

The rate for your loan may differ from the rates offered by local lenders due to a number of factors. One factor could be if you are choosing between an unsecured and a secured loan. For example, UNFCU international home loans are unsecured loans, meaning that you do not have to provide an asset as collateral. A local lender may offer a secured loan where the home you purchase serves as collateral. When a home is used as collateral, it can be taken by the lender if payments are not made. Secured loans tend to have lower rates than unsecured loans for this reason.

The specific reason will be cited in the loan application status and loan declination notice that we send. View top reasons a loan or credit card application may be declined.

Please contact us as soon as possible to inform us of your future plans. If you receive a final entitlement, we may apply the full amount or a portion of it to cover the amount you owe. We will discuss your options with you.

We offer Credit Disability Debt Protection. If you become disabled and lose your income, you can continue making your UNFCU loan and credit card payments. 

To receive this protection, the primary borrower must enroll for it. A fee of $0.15 per $100 will then be added to the outstanding loan balance. For example, if at the end of the month your loan balance is $5,000, a $7.50 fee will be added. 

The application is quick and a physical exam is not required. Call or visit us in person to enroll. 

Except for mortgages and home equity loans, all other UNFCU loans and credit cards include Credit Life Protection coverage. In the unfortunate event of your passing, UNFCU will cover up to: 

  • $55,000 of your loan balance 
  • $20,000 of your credit card balance

The primary credit cardholder and the member whose signature appears first on the loan promissory note are automatically enrolled. This coverage is free. 

If your signature is first on multiple loan promissory notes, the $55,000 limit will be applied across all your loans. To receive this coverage, you must be under the age of 70 on the day your loan is approved. Coverage will stop once you reach the age of 70. 

For more information, view our Membership & Accounts Agreement (PDF).

More helpful resources

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Make a principal loan payment 


Credit Disability Debt Protection


Make a loan payment