Loan Application Instructions
Complete Application for Loan
Obtain copies of your last two paystubs
For New Auto Loans Copy of Bill of Sale from Dealership
For Used Auto Loans Copy of Bill of Sale from Dealership or
Completed copy of Used Vehicle Information Form
Email all documents to loanapps@wvucu.com
or FAX to 304-
293-7018
Call us at 304-293-5737 to confirm receipt
A $25.00 Application Fee will be deducted from your share/share draft
account.
© CUNA Mutual Group 2016 All Rights Reserved 04701583-AXX00-P-1-030920 (AXX002-E)
APPLICATION
There are costs associated with the use of a credit card. Information about costs, rates and fees may be contained in disclosures provided with this
application or by calling us toll-free or collect at or writing to us at the address stated on this application.
Check below to indicate the type of credit for which you are applying. Married Applicants may apply for a separate account.
Individual Credit: You must complete the Applicant section about yourself and the Other section about your spouse if
1. you live in or the property pledged as collateral is located in a community property state (AK, AZ, CA, ID, LA, NM, NV, TX, WA, WI)
2. your spouse will use the account, or
3. you are relying on your spouse's income as a basis for repayment. If you are relying on income from alimony, child support, or separate
maintenance, complete the Other section to the extent possible about the person on whose payments you are relying.
Joint Credit: Each Applicant must individually complete appropriate section below. If Co-Borrower is spouse of the Applicant, mark the Co-Applicant
box.
LOANLINER Account/Loan: Individual Joint
(Including ATM/Debit card access to the account if available)
Credit Card Account: Individual Joint
If this is an application for joint credit, Applicant and Co-Applicant each agree and acknowledge the intent to apply for joint credit (sign below):
Applicant Date
X
(Seal)
Co-Applicant Date
X
(Seal)
Amount Requested $
Purpose/Collateral:
Credit Limit Requested $
If Authorized User, Name:
Guarantors Complete OTHER section below.
APPLICANT
OTHER
CO-APPLICANT SPOUSE
GUARANTOR
OTHER
NAME (Last - First - Initial) NAME (Last - First - Initial)
ACCOUNT NUMBER SOCIAL SECURITY NUMBER ACCOUNT NUMBER SOCIAL SECURITY NUMBER
BIRTH DATE EMAIL ADDRESS BIRTH DATE EMAIL ADDRESS
HOME PHONE CELL PHONE BUSINESS PHONE/EXT. HOME PHONE CELL PHONE BUSINESS PHONE/EXT.
DRIVER’S LICENSE NUMBER/STATE
AGES OF DEPENDENTS
DRIVER’S LICENSE NUMBER/STATE
AGES OF DEPENDENTS
PRESENT ADDRESS (Street – City – State – Zip)
OWN RENT
PRESENT ADDRESS (Street – City – State – Zip)
OWN RENT
LENGTH AT RESIDENCE LENGTH AT RESIDENCE
PREVIOUS ADDRESS (Street – City – State – Zip)
OWN RENT
PREVIOUS ADDRESS (Street – City – State – Zip)
OWN RENT
LENGTH AT RESIDENCE LENGTH AT RESIDENCE
MORTGAGE/RENT OWED TO MORTGAGE/RENT OWED TO
MORTGAGE BALANCE
$
MONTHLY PAYMENT
$
INTEREST RATE
%
MORTGAGE BALANCE
$
MONTHLY PAYMENT
$
INTEREST RATE
%
COMPLETE FOR JOINT CREDIT, SECURED CREDIT OR IF YOU LIVE IN A COMMUNITY
PROPERTY STATE:
COMPLETE FOR JOINT CREDIT, SECURED CREDIT OR IF YOU LIVE IN A COMMUNITY
PROPERTY STATE:
MARRIED SEPARATED UNMARRIED (Single - Divorced - Widowed) MARRIED SEPARATED UNMARRIED (Single - Divorced - Widowed)
EMPLOYMENT/INCOME
START DATE
EMPLOYMENT/INCOME
START DATE
EMPLOYMENT STATUS FULL TIME PART TIME EMPLOYMENT STATUS FULL TIME PART TIME
NAME AND ADDRESS OF EMPLOYER NAME AND ADDRESS OF EMPLOYER
NOTICE: ALIMONY, CHILD SUPPORT, OR SEPARATE MAINTENANCE INCOME NEED NOT
BE REVEALED IF YOU DO NOT CHOOSE TO HAVE IT CONSIDERED.
NOTICE: ALIMONY, CHILD SUPPORT, OR SEPARATE MAINTENANCE INCOME NEED NOT
BE REVEALED IF YOU DO NOT CHOOSE TO HAVE IT CONSIDERED.
EMPLOYMENT INCOME
$
PER
OTHER INCOME
$
PER EMPLOYMENT INCOME
$
PER
OTHER INCOME
$
PER
TITLE/GRADE SOURCE TITLE/GRADE SOURCE
PREVIOUS EMPLOYER NAME AND ADDRESS IF EMPLOYED LESS THAN FIVE YEARS PREVIOUS EMPLOYER NAME AND ADDRESS IF EMPLOYED LESS THAN FIVE YEARS
877-476-3790
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04701583-AXX00-P-1-030920 (AXX002-E)
STARTING DATE ENDING DATE STARTING DATE ENDING DATE
MILITARY: IS DUTY STATION TRANSFER EXPECTED DURING NEXT YEAR? YES NO
MILITARY: IS DUTY STATION TRANSFER EXPECTED DURING NEXT YEAR?
YES NO
WHERE ENDING/SEPARATION DATE WHERE ENDING/SEPARATION DATE
STATE LAW NOTICE(S)
Notice to Nebraska Residents: A credit agreement must be in writing to be enforceable under Nebraska law. To protect you and us from any
misunderstandings or disappointments, any contract, promise, undertaking, or offer to forebear repayment of money or to make any other financial
accommodation in connection with this loan of money or grant or extension of credit, or any amendment of, cancellation of, waiver of, or substitution for
any or all of the terms or provisions of any instrument or document executed in connection with this loan of money or grant or extension of credit, must
be in writing to be effective.
Notice to New York Residents: New York residents may contact the New York State Department of Financial Services to obtain a comparative listing
of credit card rates, fees, and grace periods. New York State Department of Financial Services: 1-800-342-3736 or www.dfs.ny.gov.
Notice to Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers,
and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers
compliance with this law.
Notice to Wisconsin Residents: (1) No provision of any marital property agreement, unilateral statement under Section 766.59, or court decree under
Section 766.70 will adversely affect the rights of the Credit Union unless the Credit Union is furnished a copy of the agreement, statement or decree, or
has actual knowledge of its terms, before the credit is granted or the account is opened. (2) Please sign if you are not applying for this account or loan
with your spouse. The credit being applied for, if granted, will be incurred in the interest of the marriage or family of the undersigned.
Signature for Wisconsin Residents Only Date
X
(Seal)
CONSENSUAL SECURITY INTEREST
You grant us a security interest in all individual and joint share and/or deposit accounts you have with us now and in the future to secure
your credit card account. Shares and deposits in an IRA or any other account that would lose special tax treatment under state or federal law
if given as security are not subject to the security interest you have given in your shares and deposits. You may withdraw these other shares
unless you are in default. When you are in default, you authorize us to apply the balance in these accounts to any amounts due. For example,
if you have an unpaid credit card balance, you agree we may use funds in your account(s) to pay any or all of the unpaid balance.
By signing or otherwise authenticating below, you are affirmatively agreeing that you are aware that granting a security interest is a condition
for the credit card and you intend to grant a security interest. You acknowledge and agree that your pledge does not apply during any
periods when you are a covered borrower under the Military Lending Act. For clarity, you will not be deemed a covered borrower, and your
pledge will apply, if: (i) you become obligated on a credit transaction or establish an account for credit when you are not a covered borrower;
or (ii) you cease to be a covered borrower.
Security Interest Acknowledgement and Agreement Date
X
(Seal)
Security Interest Acknowledgement and Agreement Date
X
(Seal)
SIGNATURES
By signing or otherwise authenticating below:
1. You promise that everything you have stated in this application is correct to the best of your knowledge. If there are any important changes you will
notify us in writing immediately. You authorize the Credit Union to obtain credit reports in connection with this application for credit and for any
update, increase, renewal, extension, or collection of the credit received. You understand that the Credit Union will rely on the information in this
application and your credit report to make its decision. If you request, the Credit Union will tell you the name and address of any credit bureau from
which it received a credit report on you. It is a crime to willfully and deliberately provide incomplete or incorrect information in this application.
2. If you are applying for a credit card, you understand that the use of your card will constitute acknowledgment of receipt and agreement to the terms
of the Consumer Credit Card Agreement and Disclosure.
Applicant’s Signature Date
X
(Seal)
Other Signature Date
X
(Seal)
CREDIT UNION USE ONLY
DATE
APPROVED
DECLINED
APPROVED
LIMITS:
SIGNATURE
$
LINE OF CREDIT
$
OTHER
$
OTHER
$
DEBT RATIO/SCORE
BEFORE AFTER
(Adverse Action Notice Sent)
LOAN OFFICER COMMENTS:
Credit Committee or Loan Officer Signatures
Date
X
(Seal)
Date
X
(Seal)
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Used Vehicle Information
Title offered as security on a loan must be titled in the borrowers
name and full coverage insurance must be provided with the WVU
Employees’ Federal Credit Union listed as loss payee and lien
recorded on the title.
Member Name:
Date:
Year:
Make:
Model:
Mileage:
VIN Number:
Insurance Co:
Seller of Vehicle:
Is this a Reconstructed, Salvage, Flood or Abnormal Titled Vehicle?
Yes
No
Vehicle Options: