Before we can process a personal loan application we need to receive:

1. A Completed Application (Front and Back)

Including rent / mortgage payment or reasons why the payment is non existent. The purpose must be specific (Example: Personal cannot be used)

Any missing information will delay the application process.
Download and print the application. (Adobe Acrobat Reader is required to download)

2. Verification of income for ALL applicants for all income listed on the application
Examples: A Paystub from the current month, a federal tax return, Statement of Social Security or Pension benefits, Child Support Evidence, Rental income evidence etc.

*If you mail or fax these materials to the office please call to verify the receipt of the documents.*

Once these materials are handed in, call the credit union office (973-748-8847) 48 hours or two business days after the application is submitted, in order to receive your loan decision. At the time of this phone call, you may also be informed of loan officer counter-offers or additional offers. The documentary obligations must also be met for those offers.

Most often there are no additional materials that are required for a personal loan. However, on occasion, the loan officer will ask for additional documents that must be provided before an appointment can be made.