Loan Application No Credit Check - BrightView Federal Credit Union

Loan Application NCC

This form will allow you to apply for a loan with Brightview Credit Union. This application does not have automated approval and will be reviewed by a loan officer. Before the loan application begins processing, the $20.00 application fee will need to be paid. If you are a member and the funds are available in your account, we will pull the fee from your account. If this application is denied, cancelled, or withdrawn for any reason, the application fee is non-refundable. If you are not a member, we will reach out to you to arrange the best payment method. This is not a mortgage loan application. This application is only for a No Credit Check loan.

This field is for validation purposes and should be left unchanged.

What is your membership status?(Required)

Brightview CU Membership Number:

This is only required if you are currently a Brightview member.

How did you hear about our loan application?

How do you prefer to be contacted?

Text Message

Telephone Call

There is a $20 fee for NCC loans. How would you like to pay the fee?(Required)

Pay it Online using my debit card (cannot accept credit cards)

I'll bring cash to a Brightview branch

Please withdraw from my existing Brightview account

A $20.00 fee for No Credit Check loans is required before the application can be processed. If the deposit is being paid online, a representative will reach out to you to take the fee over the phone. If the loan is denied, withdrawn, or cancelled for any reason, the application fee will not be refunded.

Debit Card Number (only if paying online)

Only required if paying application fee via card. Do not enter a credit card number. The transaction will be declined.

Expiration Date

CVV Code

Zip Code

Loan Request Information

Are you in an active Bankruptcy plan?(Required)

Yes

Please select one.

Are you a US Citizen?(Required)

Yes

Please select one.

Purpose of the Loan(Required)

Please choose the best reason for the loan.

Due Date: When do you want your first payment to be due?(Required)

Must be within 30 days. Brightview will not default to your payroll date. We will use the date in this field as your actual due date.

Payment Frequency - How often do you want to make a payment?(Required)

Please double check answer since it will be used to build the loan.

Preferred Payment Method - How will the payments be made?(Required)

Please double check answer since it will be used to build the loan. If you choose automatic payments, do not make a payment on your own. It will still run the automatic payment.

If you choose to have automatic payments set up, and you make a manual payment, the automatic payment will still run, causing double payments.(Required)

Yes, I understand automatic payments will post even if I make a manual payment.

No, I do not understand how automatic payments work.

I don't want automatic payments.

Where do you want your loan dollars sent or deposited?(Required)

Primary Applicant Information

Primary Applicant's Name(Required)

First Last Suffix

Social Security Number(Required)

Date of Birth(Required)

Marital Status

Primary Member's Address(Required)

Street Address Address Line 2 City State / Province / Region ZIP / Postal Code Country

What is your current home ownership status?(Required)

What amount do you pay monthly?(Required)

Explanation of Living Situation:(Required)

Please provide details if you do not have a mortgage nor pay rent. For example, "living with parents", "home paid for", etc.

What year did you move to your current residence?(Required)

Phone(Required)

Email(Required)

Enter Email Confirm Email

Driver's License / Identification Number(Required)

State Issued(Required)

Expiration Date(Required)

Primary Income Information

What is your main source of income?(Required)

Employed (includes self-employed)

Social Security

Retirement

Other Income

Most Recent Proof of Income

Max. file size: 400 MB.

If overtime is included, please upload last 2 years of Tax Returns

Employer Name(Required)

Please put the name of the source; NOT the amount.

Employer Phone Number(Required)

If source of income is NOT employer, please skip.

Title / Position(Required)

Monthly Gross Income(Required)

Total income before taxes and deductions.

Start Date(Required)

Please disclose when this source of income began.

Do you have additional sources of income?(Required)

Yes

I'm not sure

Please confirm if you have other sources of income available. We will ask for details if needed.

Income Source(Required)

Please put the name of the source; NOT the amount.

Proof of Additional Income

Max. file size: 400 MB.

Optional. Providing your most recent proof of income can speed up the application process. Please make sure upload is clear and legible.

Previous Employer Information

Please only complete previous employer information if you had a different employer in the last 2 years.

Previous Employer

If you have been employed with current employer for less than 2 years

Previous Employer Start Date

Please disclose estimated start date.

Previous Employer End Date

Please disclose estimated end date.

Additional Information

Additional Documentation

Max. file size: 400 MB.

Optional. Provide any additional documentation such as a Buyer's Order, Payoff Statement, Bill of Sale, Copy of Title, etc.

Name of Reference (person not living with you)(Required)

First Last

Phone Number for Reference(Required)

Relationship to Reference(Required)

Online Application Disclosure(Required)

Under Penalties of perjury, I certify that:

Individual Credit: You must complete the individual sections about you and the other sections 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.
Notice to Nebraska Residents: A credit agreement must be in writing to be enforceable under Nebraska law. To protect you and use 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 the marital property agreement, unilateral statement under Section 766.59, or a court decree under Section 766.70 will adversely affect the rights of the Credit Union unless the Credit Union is furnished a copy of this 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.
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 beginning this application, 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 in 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.
SIGNATURES
By beginning this application:
1. You promise that everything you will state 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. 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 acknowledgement of receipt and agreement to the terms of the Consumer Credit Card Agreement and Disclosure.
FEES
There is a $25.00 application fee due for each application except a No Credit Check Loan application which is $20.00. If you are currently a member of the credit union, we have the right to charge this fee to the applicable checking and or share deposit account. If you are not a member of the credit union, you will need to pay the application fee up front either by mail, in person, or online. You understand that this fee is due before the application can be processed and is non-refundable.

Primary Applicant's Printed Name(Required)

First Last

By entering your name here, you agree to the Online Application Disclosure and Credit Bureau Disclosure. If you are applying for a credit card, you agree to the Credit Card Solicitation Disclosure.

Today's Date(Required)

Please press "Submit" to complete application.

After clicking submit, you will be automatically redirected to a confirmation page. If you do not see the confirmation page, please make sure you hit "Submit" below.