Applying for a 1st Advantage Visa online is a simple process and it will only take about five minutes of your time (less if you’re a fast typist). The following are a few important pieces of information regarding the online loan application process:
1st Advantage can only consider loan applications
from members or those eligible for membership. If
you choose to accept a loan from 1st Advantage FCU,
you will be required to become a member.
The online application requires information about
the applicant and co-applicant's income and debts.
After submission of your application, it will
be reviewed by a loan officer and you should
receive a response before the end of the next
business day.
Application Agreement
By clicking the “Agree & Continue” button:
You promise that
everything you state
in your application
is correct to the
best of your knowledge
and that the following
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. The Credit Union
may report information
about your account
to credit bureaus.
Late payments, missed
payments, or other
defaults on your
account may be reflected
in your credit reports.
It is a federal crime
to willfully and
deliberately provide
incomplete or incorrect
information on loan
applications made
to federal credit
unions insured by
NCUA.
You understand that
the use of your card
will constitute acknowledgement
of receipt and agreement
to the terms of the
credit card agreement
and disclosures.
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. When
you are in default,
you authorize us
to apply the balance
in these accounts
to any amounts due.
Shares and deposits
in an Individual
Retirement Account,
and 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.
