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Which one is right for me?
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Which one is right for me?

Vehicle: A loan to purchase or refinance a car, boat, ATV, motorcycle, or RV from a local dealership. We also help with lease backs/buyouts. Minimum loan amount is $5,000.

Share or Certificate Secured: A loan that is fully secured by a Share Certificate or regular shares.

Credit Card: A credit card with no over-the-limit fee. Rates determined based off credit score. We offer platinum cards in programs tailored to meet your needs.

Overdraft Protection: A line-of-credit for funds that can be automatically transferred from a specified account to cover debits that exceed your available checking balance.

Signature Loan: Fixed-term unsecured loans. A great option for a one-time loan instance (e.g. vacation, family emergency, appliance replacement, etc.)

Debt Consolidation: A loan that consolidates loan or card balances into one lower payment, versus several payments.

Will your vehicle be titled in Texas?

We're sorry. UFCU does not fund loans titled outside of the state of Texas. Please contact us today if you have additional questions.

Note: Please be advised you must be a member to be eligible for a Share or Certificate Secured Loan.

Note: Please be advised you must have an active checking account or direct deposit to be eligible for a credit card.

Is anyone applying with you?

What is a co-applicant or co-signer?

What is a co-applicant or co-signer?

A co-applicant is someone who will benefit equally from the loan and share responsibility for payments.

A co-signer does not benefit from the proceeds of the loan and accepts full responsibility for payment in the event that the primary applicant does not repay the loan.

Please review the terms of the loan

UFCU's Terms of the Loan

I authorize University Federal Credit Union to obtain my credit history. I understand that University Federal Credit Union may contact me for additional information. University Federal Credit Union may obtain information from others about me and give information to others. I authorize University Federal Credit Union to issue any credit devices requested by me. I understand that all funds advanced to me will be subject to the terms and conditions of the loan agreement. By submitting this application electronically, I agree to the same terms that apply to a signed application. If there is a co-applicant on this loan, that co-applicant has authorized the submission of this application. This electronic submission qualifies as my signature. I understand that I/we will have to sign loan documents before funds can be disbursed. Alimony, child support, or separate maintenance income need not be revealed if you do not wish to have it considered as a basis for repaying this obligation.

Privacy Policy Notice (as required by Federal Law) - We recognize the trust you have placed in us to keep your information secure and confidential. Keeping your information secure is one of our most important responsibilities. We want you to understand what information we collect and how we use it. In order to provide our members with a broad range of financial products and services as effectively and conveniently as possible, we use technology to manage and maintain customer information. We consider all public and non-public personal information we gather about you as private personal information. What information we collect: We collect and use various types of information to service your accounts, save you time and money and better understand your needs. Member information we collect is categorized into the following types: Information you provide to us on applications or other loan and account forms, such as your name, address and social security number. Information we receive from a consumer-reporting agency, such as information regarding your creditworthiness or credit history, as authorized. Information about your transactions and account experience, such as your account balance, payment history, or information about our communication with you, such as a request for a copy of a check and our response.

Our Security Procedures - We take steps to safeguard customer information. Our policy is to restrict access to your private personal account information to those employees who need to know that information to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your private personal information. What Information We Disclose: We do not disclose any private personal information about you to anyone, except as permitted or required by law. We are permitted under law to disclose nonpublic personal information about you to other third parties in certain circumstances. For example, we may disclose nonpublic personal information about you to third parties to assist us in servicing your loan or account with us, to government entities in response to subpoenas, and to credit bureaus. We may also disclose information described above to financial institutions with which we have agreements to endorse or sponsor a financial service.

US Patriot Act Notice (Important information about procedures for opening a new account) University Federal Credit Union complies with section 326 of the USA PATRIOT act. Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account such as name, address, date of birth and taxpayer identification. We may ask to see your driver's license or other identifying documents.

To submit a loan application to UFCU, you must agree to the terms of the loan as outlined above.

By clicking on 'I Accept' below you are agreeing to UFCU’s Terms of the Loan stated above.

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Vehicle Purchase Details

Type of Purchase
Which loan type should I choose?

Which loan type should I choose?

Dealer Purchase - Purchasing a vehicle from a dealership. Dealerships are licensed by the state and sell new and used cars, boats, motorcycles, or recreational vehicles.

Lease Buyout - Purchasing a vehicle from the company you're currently leasing.

External Refinance - Moving a vehicle loan financed through any other financial institution than UFCU.

Purchase Price
$

Please provide a valid numeric amount.

Sales Tax
$ How is this calculated?

How is this calculated?

All residents of Texas who buy a used vehicle from anyone other than a licensed vehicle dealer are required to pay motor vehicle sales tax on the purchase price or the standard presumptive value (SPV), whichever is the highest value.

The sales tax field is an estimate based on 6.25% of the entered purchase price.

Loan Payoff Amount
$

Please provide a valid numeric amount.

Down Payment
$

Please provide a valid numeric amount.

Loan Amount
$

Please provide a valid loan amount.

How is this calculated?

How is this calculated?

Loan Amount = Purchase Price + Sales Tax (if applicable) – Down Payment (if entered)

About Your Vehicle

Type of Vehicle
Year

Please provide a valid numeric year.

Please provide a valid year.

Make
Model
Year

Please provide a valid numeric year.

Please provide a valid year.

Make
Model
VIN

Please provide a valid VIN.

What is the VIN?

What is the VIN?

The Vehicle Identification Number (VIN) is a unique identifier assigned to automobiles, recreational vehicles and boat trailers*. It includes 17 characters. The letters "I," "O," and "Q" are not used. Most passenger cars and trucks are assembled with the VIN plate attached to the dash or instrument panel. For recreational vehicles, the location of the VIN depends on the manufacturer, make, and model.

* The number of characters in a Boat Trailer VIN may vary from the standard 17 character format.

Hull ID

Please provide a valid Hull ID.

What is the Hull ID?

What is the Hull ID?

The Hull ID (HIN) is a 12-character serial number that uniquely identifies your boat. The boat manufacturer includes two identical hull identification numbers, no less than one-fourth of an inch high, on each boat hull.

* A HIN is not the same as a State registration number, which may be required to be displayed on the bow of your boat.

Mileage

Please provide a valid numeric mileage.

Please provide a valid mileage.

Motor Type
Motor Year

Please provide a valid numeric year.

Please provide a valid year.

Motor Make
Motor Model
Motor Serial Number
Does the purchase include a trailer?
Year

Please provide a valid numeric year.

Please provide a valid year.

Make
Model
Trailer VIN

Please provide a valid VIN.

Loan Information

Loan Purpose
Loan Amount
$

Please provide a valid numeric amount.

Requested loan amount falls outside of policy. Please contact one of our loan officers.

Loan Information

Loan Amount
$

Please provide a valid numeric amount.

Requested loan amount falls outside of policy. Please contact one of our loan officers.

Type of Collateral

Loan Information

Type of Request
Requested Limit
$

Please provide a valid numeric amount.

Requested loan amount falls outside of policy. Please contact one of our loan officers.

Choose Your Card

Type of Request
Card Type
Card Design
Card Number
Requested Limit
$

Please provide a valid numeric Loan Amount.

Requested loan amount falls outside of policy. Please contact one of our loan officers.

Loan Information

Loan Amount
$

Please provide a valid numeric Loan Amount.

Requested loan amount falls outside of policy. Please contact one of our loan officers.

Your Information

First Name
Middle Name
Last Name
Social Security #

Please provide a valid social security #.

Why do you need this?

Why do you need this?

UFCU requires your Social Security Number to make a one- time request for your credit report and credit score.

Date of Birth

Please provide a valid birth year.

Must be 18 years of age to apply for a loan.

Drivers License #
Drivers License State
Citizenship
Country of Citizenship
Country of Residency

Your Contact Info

Email Address

Please provide a valid email address.

Re-enter Email Address

Email addresses must match.

Primary Phone
Secondary Phone
Preferred Contact

Your Current Address

Your Previous Address

Street Address
Address
City
State
Zip
Type of Residence
Monthly rent or mortgage payment
$

Please provide a valid numeric monthly payment.

Please provide a valid monthly payment.

How long have you lived at this address?
Years    Months

Please provide a valid numeric years.

Please provide a valid numeric months.

Your Occupation

Are you a student with income?

Are you a student with income?

If you are a student, and have any employment income you would like to be considered, be sure to choose an Occupation Type of "Employed Full Time" or "Employed Part Time".

Your Previous Occupation

Occupation Type
School Name
Employer/Company Name
Job Title
Monthly income before taxes
$

Please provide a valid numeric monthly income.

Please provide a valid monthly income.

Duration
Years    Months

Please provide a valid numeric years.

Please provide a valid numeric months.

Additional Income (optional)

What forms of income can be included?

What forms of income can be included?

Alimony, child support, or other income types do not need to be revealed unless you would like to have it considered as a basis of repaying this obligation. Proof of income may be required at closing.

You may provide additional forms of income you may use to replay this loan.

Income Type*
Monthly Amount
$

Please provide a valid numeric monthly amount.

Please provide a valid monthly amount.

Co-ApplicantCo-Signer's Information

First Name
Middle Name
Last Name
Social Security #

Please provide a valid social security #.

Why do you need this?

Why do you need this?

UFCU requires your Social Security Number to make a one- time request for your credit report and credit score.

Date of Birth

Please provide a valid birth year.

Must be 18 years of age to apply for a loan.

Drivers License #
Drivers License State
Citizenship
Country of Citizenship
Country of Residency

Co-ApplicantCo-Signer's Contact Info

Email Address

Please provide a valid email address.

Re-enter Email Address

Email addresses must match.

Primary Phone
Secondary Phone
Preferred Contact

Co-ApplicantCo-Signer's Current Address

Co-ApplicantCo-Signer's Previous Address

Street Address
Address
City
State
Zip
Type of Residence
Monthly rent or mortgage payment
$

Please provide a valid numeric monthly payment.

Please provide a valid monthly payment.

How long have you lived at this address?
Years    Months

Please provide a valid numeric years.

Please provide a valid numeric months.

Co-ApplicantCo-Signer's Occupation

Are you a student with income?

Are you a student with income?

If you are a student, and have any employment income you would like to be considered, be sure to choose an Occupation Type of "Employed Full Time" or "Employed Part Time".

Co-ApplicantCo-Signer's Previous Occupation

Occupation Type
School Name
Employer/Company Name
Job Title
Monthly income before taxes
$

Please provide a valid numeric monthly income.

Please provide a valid monthly income.

Duration
Years    Months

Please provide a valid numeric years.

Please provide a valid numeric months.

Additional Income (optional)

What forms of income can be included?

What forms of income can be included?

Alimony, child support, or other income types do not need to be revealed unless you would like to have it considered as a basis of repaying this obligation. Proof of income may be required at closing.

You may provide additional forms of income you may use to replay this loan.

Income Type*
Monthly Amount
$

Please provide a valid numeric monthly amount.

Please provide a valid monthly amount.

Repayment Information

UFCU will finance your loan for up to 75 months for certain types of loans.

Term of Loan
Which term is right for me?

Which term is right for me?

The age of your desired vehicle may effect the length of loan for which you'll qualify. To increase your chances of qualifying with an older vehicle, reduce the length of the loan. Use the examples below as a guideline.

Age of Vehicle
Current to 1 year old
2 years old
3 years old
4 years old
5 years old
6 years old
Older than 6 years
Loan Terms
Up to 75 months
Up to 60 months
Up to 54 months
Up to 48 months
Up to 42 months
Up to 36 months
Up to 24 months
Amount
Up to $2,500
Up to $5,000
$5,001 to $9,999
$10,000 or higher
Loan Terms
24 months
36 months
48 months
60 months

Exceptions to the above terms CAN be considered, BUT must be approved by a Consumer Loan Underwriter.

First Payment Date

Payment date must be within the next 45 days.

Payment Method
Which is best for me?

Which is best for me?

Automatic Withdrawal from my UFCU Account - Payment for your loan will be automatically deducted from your specified UFCU account.

Automatic Withdrawal from a Non-UFCU Account - Payment for your loan will be automatically deducted from an account you have with another financial institution.

Other (i.e. Bill Pay, Cash) - Pay for your loan using UFCU's Bill Pay service, or using cash or check at any UFCU Financial Center.

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