Get A Loan - BrightView Federal Credit Union

Loan Application

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 $25.00 (regular loan) or $20.00 (No Credit Check Loan) 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 you are not a member, we will reach out to you to arrange the best payment method. This is not a mortgage loan application.

What is your membership status?(Required)

Brightview CU Membership Number:(Required)

How would you like to pay the application fee?(Required)

Please pull from my existing membership

Online using my debit card (cannot accept credit cards)

Bringing cash to a Brightview branch

A $25.00 (or $20 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.

Debit Card Number

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

No Credit Check Loans or Credit Card?

If you are applying for a No Credit Check Loan, we would love to give you more information about our low interest credit cards. It is a great way to start building your credit with a payment as low as $25.00 a month, and you will earn reward points every time you use the card! All of this without the hassle of having to redo your No Credit Check Loan every few months.

I am interested in learning more about a credit card

I am not interested in learning more about a credit card

Do you understand the maximum amount for a No Credit Check Loan is $500.00 and any request for a NCC Loan over $500.00 will not be processed?(Required)

Yes, I understand I cannot get a NCC for more than $500.00

I do not want a No Credit Check Loan.

If an application is received for a No Credit Check Loan of more than $500.00, it will be denied and the application will NOT be processed.

Do you understand the minimum requirements for approval of a No Credit Check Loan?(Required)

Yes, I have been a member for more than 90 days, have had direct deposit for more than 60 days, and my membership is in good standing

I do not want a No Credit Check Loan.

Requirements for all NCC Loans: Member for at least 90 days, Direct deposit of at least $100 for 60 days, and membership must be in good standing (no negative balances, garnishments, levies, bankruptcy, delinquent loans, etc.)

Loan Request Information

Individual or Joint Application(Required)

Individual (one borrower)

Joint (more than one borrower)

Please select one.

Are you in an active Bankruptcy plan?(Required)

Yes

Please select one.

Are all applicants a US Citizen?(Required)

Yes

Please select one.

Amount Requested(Required)

Please enter a number from 500.00 to 100000.00.

If you are unsure, please enter the maximum you would like to apply for. Note: The No Credit Check Loans are a MAXIMUM of $500.00 - requests for more than $500.00 on a No Credit Loan will be denied.

Type of Loan(Required)

Please choose the most relative type of loan.

Purpose of the Loan(Required)

Please choose the best reason for the loan.

Months to Repay(Required)

Please choose the closest estimate of months you would like to repay the loan.

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

Must be within 30 days for NCC and within 45 days for all other loans. Please double check answer since it will be used to build the loan.

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.

Are you interested in any of the following?(Required)

Credit Life Insurance - Protects loan in case of death.

Credit Disability Insurance - Protects loan in case of disability.

GAP Insurance - Helps cover auto loan balance in total loss.

Mechanical Breakdown Protection - Pays for certain repairs on vehicle.

I am not interested in any of these options.

Please select all that apply. Discounts on interest rate will be applied for several products.

Do you want to sign your loan documents online for a 0.25% interest rate discount?

Discount not available for No Credit Checks, Credit Cards, or Share Secured loans.

Where should loan funds go?(Required)

Vehicle Information

If you know the vehicle you are getting financed, please provide vehicle information and documentation with the application to expedite processing. If a vehicle is not being used for the loan, skip this section.

Year

Make & Model

VIN Number

Mileage

Buyer's Order (Dealership Purchase)

Max. file size: 400 MB.

Copy of Title (Individual Sale)

Max. file size: 400 MB.

Bill of Sale (Individual Sale)

Max. file size: 400 MB.

15 Day Payoff (Refinance from other FI)

Max. file size: 400 MB.

Seller Information

If you are buying the vehicle from an individual, please provide the seller's information.

Seller's Name

First Last

Seller's Phone Number

Seller's Email Address

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

NCC Proof of Income(Required)

Max. file size: 400 MB.

Please provide proof of income for your No Credit Check application

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)

CAPTCHA

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)

Joint Applicant Information

If a joint is not on this loan, please select "Individual Application" at the top of the screen.

Joint Applicant's Name(Required)

First Last Suffix

Date of Birth(Required)

Marital Status

Phone(Required)

Email(Required)

Enter Email Confirm Email

Joint Applicant's Address(Required)

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

What is your joint applicant's 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)

Social Security Number(Required)

Driver's License / Identification Number(Required)

State Issued(Required)

Expiration Date

Joint Applicant Income Information

What is the joint applicant's 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

Additional Proof of Income(Required)

Max. file size: 400 MB.

Joint Applicant's Employer Name(Required)

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

Joint Applicant's Employer Phone Number(Required)

If source of income is NOT employer, please skip.

Joint Applicant's Title / Position(Required)

Joint Applicant's Income Source(Required)

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

Monthly Gross Income(Required)

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.

Proof of 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:

Joint 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.

Untitled

Name

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

Loan Application

Loan Request Information

Vehicle Information

Seller Information

Primary Applicant Information

Primary Income Information

Previous Employer Information

Additional Information

Joint Applicant Information

Joint Applicant Income Information

Previous Employer Information

Additional Information

Please press "Submit" to complete application.

Company

Important Disclosures

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