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*

MM

DD

YYYY

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

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

MM

DD

YYYY

PREVIOUS EMPLOYER'S NAME*

If employed less than two years at current job

STARTING DATE*

MM

DD

YYYY

ENDING DATE*

MM

DD

YYYY

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*

MM

DD

YYYY

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

MM

DD

YYYY

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

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

MM

DD

YYYY

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.

*

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*

*

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*