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Required documents for your loan application

Applications for different types of loans have specific requirements. Here are the documents that you will want to have on hand when applying for a loan.1 

  • Verification of income such as letter of appointment, personnel action form, or pension statement
  • Two most recent pay statements

Credit cards overview

  • Verification of income such as letter of appointment, personnel action form, or pension statement
  • Two most recent pay statements
  • For personal loans over $50,000:2 We will contact you to request supporting documents that indicate the purpose of the loan. If your loan is approved, we will request a wire transfer form payable to the vendor(s) or service provider(s).

Personal loans overview

  • Verification of income such as letter of appointment, personnel action form, or pension statement
  • Two most recent pay statements
  • Acceptance letter or current tuition bill from the school's office of admissions that includes:
    • Name of the school
    • Student name(s)
    • Student ID number(s)
    • Amount due

Education loan overview

  • Verification of income such as letter of appointment, personnel action form, or pension statement
  • Two most recent pay statements
  • Insurance binder
    • UNFCU must be listed as lien holder and loss payee. Include our address: 24-01 44th Road, Long Island City, NY 11101, USA
    • The maximum deductible is $1,000 for collision and $500 for comprehensive coverage.
  • Payoff letter (if refinancing)
  • Purchase agreement or bill of sale, including any down payment you have made (if purchasing)
    • To receive the electric and hybrid vehicles discount, your vehicle must be identified as electric or hybrid.

US automobile loan overview

  • Verification of income such as letter of appointment, personnel action form, or pension statement
  • Two most recent pay statements
  • Current loan and/or credit card statement(s) or payoff letter(s) from the other financial institution(s) showing the payoff amount. Statement(s) or payoff letter(s) must include:
    • Name of the financial institution
    • Balance
    • Monthly payment amount
    • Account number
    • The financial institution's mailing address

Debt consolidation loan overview

  • Verification of income such as letter of appointment, personnel action form, or pension statement
  • Two most recent pay statements
  • Certificate of residency, such as a land title or lease agreement
  • Signed and dated cost estimates on contractor letterhead, indicating your name and the property address
  • For energy efficient loans: Documentation from your service provider(s) confirming that the project is energy efficient. If your loan is approved, we will request a wire transfer form payable to the vendor(s) or service provider(s).

Home improvement loans overview

  • Verification of income such as letter of appointment, personnel action form, or pension statement
  • Two most recent pay statements 

For international property loans: 

  • Signed and dated purchase agreement for the home or land
  • We will contact you to request proof that the seller owns the home or land. If your loan is approved, we will request a wire transfer form payable to the seller or the attorney indicated in the purchase agreement.

For international home build loans: 

  • Certificate of ownership such as a land title
  • Signed and dated cost estimates on contractor letterhead, indicating your name and the property address

International home loans overview