Loan application

YOU MUST ALREADY HAVE A MEMBERSHIP ACCOUNT ESTABLISHED AT THE FINEST FCU IN ORDER TO APPLY FOR A LOAN.

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 the appropriate section below. If co-borrower is spouse of the Applicant, mark the co-applicant box.

Guarantor: Complete the Other section if you are a guarantor on an account/loan.
Personal loan amounts are from $500.00 to $30,000.00.

Auto loan amounts are up to $50,000.00.

If you currently have a loan with the credit union please read the following message before proceeding with your application.

Personal loans that are $10,000.00 and below will need to be paid off in full before you are eligible to apply for another loan.

Personal loans that are over $10,000.00 will need to have their balance paid down by ½ before you are eligible to apply for another loan. Please contact the credit union at 646-661-1886 to confirm if you are eligible to apply for another loan if you are not sure.
*
- I have read the above message and confirm with a credit union representative that I am eligible to apply for another loan.
TYPE OF LOAN YOU'RE APPLYING FOR:*
Make of the vehicle*
Model of the vehicle*
Year of the vehicle*
Mileage*
VIN #*
LOAN AMOUNT*
HOW WILL YOU REPAY THE LOAN?*
- Payroll Deduction
- Cash
- Military Allotment
- Automatic Payment
APPLICANT INFORMATION
NAME*
First Last
MOTHER'S MAIDEN NAME
ACCOUNT NUMBER*
SOCIAL SECURITY NUMBER*
DRIVER'S LICENSE NUMBER / STATE*
HOME PHONE*
CELL PHONE*
EMAIL ADDRESS*
PRESENT ADDRESS*
Street Address Address Line 2 City State ZIP Code
*
- Own
- Rent
YEARS AT THIS ADDRESS
PREVIOUS ADDRESS (optional)
Street Address Address Line 2 City State ZIP Code
- Own
- Rent
YEARS AT THIS ADDRESS
Employment/Income
NAME OF EMPLOYER*
Employer Phone*
ADDRESS OF EMPLOYER*
Street Address Address Line 2 City State ZIP Code
TITLE/GRADE*
START DATE*
Month
Day
Year
HOURS AT WORK*
SUPERVISOR'S NAME*
First Last
IF SELF-EMPLOYED, TYPE OF BUSINESS*
NOTICE: ALIMONY, CHILD SUPPORT OR SEPARATE MAINTENANCE INCOME NEED NOT BE REVEALED IF YOU DO NOT CHOOSE TO HAVE IT CONSIDERED.
EMPLOYMENT INCOME*
PER*
*
- Net
- Gross
OTHER INCOME
PER
SOURCE
UPLOAD COPIES OF YOUR LAST TWO PAY STUBS
Drop files here or

Accepted file types: jpg, jpeg, png, pdf, Max. file size: 256 MB.
You can do this later via the UPLOAD YOUR ID form. If you cannot upload your last 2 pay stubs/pay statement please fax to Member Services at 646-661-1093 or email to memberservices@thefinestfcu.org. Not providing pay stubs/pay statement might cause delay in the processing of this loan application.
MILITARY: IS DUTY STATION TRANSFER EXPECTED DURING NEXT YEAR?
- Yes
- No
WHERE?
ENDING/SEPARATION DATE
Month
Day
Year
PREVIOUS EMPLOYER'S NAME*

If employed less than two years at current job
STARTING DATE*
Month
Day
Year
ENDING DATE*
Month
Day
Year
Reference
NAME OF A REFERENCE NOT LIVING WITH YOU*
First Last
RELATIONSHIP
ADDRESS
Street Address Address Line 2 City State ZIP Code
HOME PHONE
CO-APPLICANT/SPOUSE/GUARANTOR INFORMATION
INDICATE WHETHER YOU HAVE A CO-APPLICANT, SPOUSE OR GUARANTOR*
- Co-Applicant
- Spouse
- Guarantor
- None of the Above
If you are applying for this loan by yourself, select “None of the Above”
COMPLETE FOR JOINT CREDIT, SECURED CREDIT OR IF YOU LIVE IN A COMMUNITY PROPERTY STATE
- Married
- Separated
- Unmarried (Single/Divorced/Widowed)
NAME*
First Last
MOTHER'S MAIDEN NAME
ACCOUNT NUMBER*
SOCIAL SECURITY NUMBER*
DRIVER'S LICENSE NUMBER/STATE*
DATE OF BIRTH*
Month
Day
Year
HOME PHONE
CELL PHONE
BUSINESS PHONE
EMAIL ADDRESS
CURRENT ADDRESS
Street Address Address Line 2 City State ZIP Code
- Rent
- Own
YEARS AT THIS ADDRESS
PREVIOUS ADDRESS
Street Address Address Line 2 City State ZIP Code
- Rent
- Own
YEARS AT THIS ADDRESS
COMPLETE FOR JOINT CREDIT, SECURED CREDIT OR IF YOU LIVE IN A COMMUNITY PROPERTY STATE
- Married
- Separated
- Unmarried (Single/Divorced/Widowed)
Employment/Income
NAME OF EMPLOYER
ADDRESS OF EMPLOYER
Street Address Address Line 2 City State ZIP Code
PRECINCT/COMMAND
TITLE/GRADE
START DATE
Month
Day
Year
SUPERVISOR'S NAME
First Last
IF SELF-EMPLOYED, TYPE OF BUSINESS
NOTICE: ALIMONY, CHILD SUPPORT OR SEPARATE MAINTENANCE INCOME NEED NOT BE REVEALED IF YOU DO NOT CHOOSE TO HAVE IT CONSIDERED.
EMPLOYMENT INCOME
PER
- Net
- Gross
OTHER INCOME
PER
SOURCE
UPLOAD COPIES OF YOUR LAST TWO PAY STUBS
Drop files here or

Accepted file types: jpg, jpeg, png, pdf, Max. file size: 256 MB.
You can do this later via the UPLOAD YOUR ID form
MILITARY: IS DUTY STATION TRANSFER EXPECTED DURING NEXT YEAR?
- Yes
- No
WHERE?
ENDING/SEPARATION DATE
Month
Day
Year
PREVIOUS EMPLOYER'S NAME

If employed less than two years
PREVIOUS EMPLOYER'S ADDRESS
Street Address Address Line 2 City State ZIP Code
Reference
NAME OF A REFERENCE NOT LIVING WITH YOU
First Last
RELATIONSHIP
ADDRESS*
Street Address Address Line 2 City State ZIP Code
HOME PHONE
CELL PHONE
EMAIL ADDRESS
WHAT YOU OWE
First Mortgage /Rent
DO YOU:*
- Rent
- Own
Include tax and insurance
CREDITOR/LANDLORD NAME*
MONTHLY PAYMENT*
OWED BY*
- Applicant
- Other
OTHER INFORMATION ABOUT YOU
APPLICANT: ARE YOU A U.S. CITIZEN OR PERMANENT RESIDENT ALIEN?
- Yes
- No
OTHER: ARE YOU A U.S. CITIZEN OR PERMANENT RESIDENT ALIEN?
- Yes
- No
APPLICANT: DO YOU CURRENTLY HAVE ANY OUTSTANDING JUDGEMENTS OR HAVE YOU EVER FILED FOR BANKRUPTCY, HAD A DEBT ADJUSTMENT PLAN CONFIRMED UNDER CHAPTER 13, HAD PROPERTY FORECLOSED UPON OR REPOSSESSED IN THE LAST 7 YEARS, OR BEEN A PARTY IN A LAWSUIT?
- Yes
- No
OTHER: DO YOU CURRENTLY HAVE ANY OUTSTANDING JUDGEMENTS OR HAVE YOU EVER FILED FOR BANKRUPTCY, HAD A DEBT ADJUSTMENT PLAN CONFIRMED UNDER CHAPTER 13, HAD PROPERTY FORECLOSED UPON OR REPOSSESSED IN THE LAST 7 YEARS, OR BEEN A PARTY IN A LAWSUIT?
- Yes
- No
STATE LAW NOTICES
OHIO RESIDENTS ONLY: 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 WISCONSIN RESIDENTS ONLY: (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.
ENTER YOUR FULL NAME AS YOUR SIGNATURE*

State of Wisconsin Residents Only
SIGNATURES
You promise that everything you have stated in this application is correct to the best of your knowledge and that the above information is a complete listing of what you owe. If there are any important changes you will notify us in writing immediately.
in connection with this application for credit and for any update, renewal or extension 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 federal crime to willfully and deliberately provide incomplete or incorrect information on loan applications made to federal credit unions or state chartered credit unions insured by NCUA.*
- APPLICANT: I AUTHORIZE THE CREDIT UNION TO OBTAIN CREDIT REPORTS
in connection with this application for credit and for any update, renewal or extension 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 federal crime to willfully and deliberately provide incomplete or incorrect information on loan applications made to federal credit unions or state chartered credit unions insured by NCUA.
APPLICANT: ENTER YOUR FULL NAME AS YOUR SIGNATURE*
in connection with this application for credit and for any update, renewal or extension 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 federal crime to willfully and deliberately provide incomplete or incorrect information on loan applications made to federal credit unions or state chartered credit unions insured by NCUA.*
- OTHER: I AUTHORIZE THE CREDIT UNION TO OBTAIN CREDIT REPORTS
in connection with this application for credit and for any update, renewal or extension 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 federal crime to willfully and deliberately provide incomplete or incorrect information on loan applications made to federal credit unions or state chartered credit unions insured by NCUA.
OTHER: ENTER YOUR FULL NAME AS YOUR SIGNATURE*

Loan application

APPLICANT INFORMATION

Employment/Income

Reference

CO-APPLICANT/SPOUSE/GUARANTOR INFORMATION

Employment/Income

Reference

WHAT YOU OWE

First Mortgage /Rent

OTHER INFORMATION ABOUT YOU

STATE LAW NOTICES

SIGNATURES