Loans and lines of credit that support your life

You can check your credit score through various online services such as Borrowell or KarlaRent, or by contacting the credit bureaus (Equifax and Transunion) directly. Some financial institutions, including BCU Financial in partnership with KarlaRent, offer free access to your credit score as part of their services. Be sure to review your score regularly to stay on top of your financial health.

To apply for a loan at BCU, you typically need valid photo identification, proof of income (such as pay stubs or tax returns), and details about your assets and liabilities. Additional documents may be required depending on the loan type and amount.

The BCU loan approval process includes submitting an application, providing required documents, and undergoing a credit assessment. We review your income, credit history, and financial situation to determine eligibility and loan terms we can offer. Approval time may vary depending on the loan type and complexity.

Our interest rates for loans and lines of credit vary based on the loan type, term, and your credit profile. Rates may be fixed or variable and are subject to change. For the most up-to-date rates, check our current posted rates.

If you miss a loan payment, you may be charged a late fee, and it could negatively affect your credit score. Interest will continue to accrue on the outstanding balance and become higher, and repeated missed payments may lead to further financial consequences. If you’re having trouble making payments, it’s best to turn to BCU and review your options as soon as possible.

To improve your chances of loan approval, maintain a good credit score, have a stable income, and reduce existing debts and credit utilization. Providing a larger down payment or a co-signer can also help. Ensuring all required documents are complete and accurate makes the process smoother.