Personal Loan Application

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 loan 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.

Important Information About Procedures for Opening a New Account
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person and/or entity who opens an account.
What this means to you: When you open an account, we will ask for your name, address, date of birth (for individuals) and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

Loan Information

Account Type
Type of Loan
$
Repayment
PAYMENT PROTECTION

If you would like loan protection, White River Credit Union will disclose the cost to protect your loan. The protection is voluntary and does not affect your loan approval. In order for your loan to be covered, you will need to sign a separate application at loan closing that explains the terms and conditions.

Primary Applicant

Marital Status

Complete for joint credit, secured credit or if you live in a community property state

Residential Information

Employment/Income

$ per
$ per
NOTICE: Alimony, child support, or separate maintenance income need not be revealed if you do not choose to have it considered.

Military

Is Duty Station Transfer Expected During Next Year?

Previous Employer (If employed less than five years)

Reference

Other Applicant

Relation:
Marital Status

Complete for joint credit, secured credit or if you live in a community property state

Residential Information

Employment/Income

$ per
$ per
NOTICE: Alimony, child support, or separate maintenance income need not be revealed if you do not choose to have it considered.

Military

Is Duty Station Transfer Expected During Next Year?

Previous Employer (If employed less than five years)

Reference

Current Debts

Creditor (Other than this Credit Union)
Int. Rate
Balance
Monthly Pmt.
Owned By
%
$
$
Owned By
%
$
$
Owned By
%
$
$
Owned By

Assets

Asset
Location or Financial Inst.
Market Value
Collateral for Another Loan
Owned By
$
Collateral for Another Loan
Owned By
$
Collateral for Another Loan
Owned By
$
Collateral for Another Loan
Owned By

Other Information About You

If you answer "YES" to any question other than #1, please explain.

Applicant
Other
1. Are you a U.S. citizen or permanent resident alien?
2. 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?
3. Is your income likely to decline in the next two years?
4. Are you a co-maker, co-signer or guarantor on any loan not listed above?

Additional Notes and Information

Please provide any additional information that may be important to processing your application.

Signatures

Typing your name(s) into the signature field(s) below will constitute an electronic signature and agreement to the notice above.

Please review your application carefully and verify all information is accurate before submitting.