Emergency Funds
It can depend on how much you borrow, but we offer PayDay Alternative Loans between one month - 12 months.
Yes, but we don’t use the report in the loan decision, we want to help you build up your score, this loan isn’t about your past as much as it is about your future. Together we can help you get to where you want to be.
We can offer a PayDay Alternative Loan up to $2,000.
General
Interest accrues daily. Any amount added to the required monthly payment will be applied to the principal.
For Example: Monthly payment is $300. If you make a payment for $350, fifty dollars will be applied to the principal.
No. We have a Pay Now option that is not connected though online banking. Click here to pay your loan.
We understand that life happens and situations come up that cause financial hardship, we are here to help, give us a call, it’s easier to work with you before you get into trouble than after.
Personal Loans
You can access the funds through online banking, ATM, and in the branch.
It’s easy, you can apply online, on the phone or in person.
2% of the balance owed or $25, whichever is greater.
Student Loans
You will have access to your online account management 24 hours a day, 7 days a week.
You can borrow up to 100% of school certified education costs (minimum $1,000).
Vehicle Loans
Check it out here https://pcfcu.balancepro.org/resources/calculators/car-loan-calculator
Already have an auto loan? Quickly provide proof of insurance, check the status of your insurance or view insurance history. PROVIDE PROOF
We loan up to 84 months, but the loan amount has to be at least $25,000.
You can select the date that works the best for you when you start your loan.
150,000 for gas vehicles, and 200,000 for diesel
If you received your loan through our CUDL program you can expect the title or Affidavit in Lieu of title to be mailed to you after 10 business days. You will be required to take the title to your local Department of Licensing to have the credit union removed as legal owner.
If you refinanced your loan with us through our rate genius program you can expect the title or Affidavit in Lieu of title to be mailed to you after 10 business days. You will be required to take the title to your local Department of Licensing to have the credit union removed as legal owner.
If you received your loan directly from the credit union your title will be sent to the Department of Licensing after 10 business days to have the credit union removed as legal owner, you will receive your title from the Department of Licensing in about 6 to 8 weeks.
Please be sure that we have your current mailing address prior to your title being sent out.
Yes, monthly payments are still required on your loan. We do have a skip pay program that you can utilize as long as your loan qualifies. The fee to skip one month payment is 30.00.
If you purchased your GAP with the dealership, the credit union will send a packet out to you once we receive the information that your vehicle has been deemed a total loss. The packet will include all the information necessary from us to begin your GAP claim.
If you purchased your GAP from the credit union we will file the claim for you once we receive the information that your vehicle has been deemed a total loss.
Gap generally will not cover any past due payments, skipped payments, missed payments, late charges and may reduce the amount your GAP policy covers causing a loan balance to remain
Comprehensive and Collision coverage is required. Your deductible should be no more than $1,000 and PCU needs to be listed as the lien holder. Coverage should be in placed within 30 days of financing.