Required documents for your loan application

• Verification of income such as letter of appointment, personnel action form, or pension statement
• Two most recent pay statements
• For personal loans over $50,000:² We will contact you to request supporting documents that indicate the purpose of the loan. If your loan is approved, we will request a wire transfer form payable to the vendor(s) or service provider(s).

Personal loans overview

• Verification of income such as letter of appointment, personnel action form, or pension statement
• Two most recent pay statements
• Acceptance letter or current tuition bill from the school's office of admissions that includes:
  • Name of the school
  • Student name(s)
  • Student ID number(s)
  • Amount due

Education loan overview

• Verification of income such as letter of appointment, personnel action form, or pension statement
• Two most recent pay statements
• Insurance binder
  • UNFCU must be listed as lien holder and loss payee. Include our address: 24-01 44th Road, Long Island City, NY 11101, USA
  • The maximum deductible is $1,000 for collision and $500 for comprehensive coverage.
• Payoff letter (if refinancing)
• Purchase agreement or bill of sale, including any down payment you have made (if purchasing)
  • To receive the electric and hybrid vehicles discount, your vehicle must be identified as electric or hybrid.

US automobile loan overview

• Verification of income such as letter of appointment, personnel action form, or pension statement
• Two most recent pay statements
• Current loan and/or credit card statement(s) or payoff letter(s) from the other financial institution(s) showing the payoff amount. Statement(s) or payoff letter(s) must include:
  • Name of the financial institution
  • Balance
  • Monthly payment amount
  • Account number
  • The financial institution's mailing address

Debt consolidation loan overview

• Verification of income such as letter of appointment, personnel action form, or pension statement
• Two most recent pay statements
• Certificate of residency, such as a land title or lease agreement
• Signed and dated cost estimates on contractor letterhead, indicating your name and the property address
• For energy efficient loans: Documentation from your service provider(s) confirming that the project is energy efficient. If your loan is approved, we will request a wire transfer form payable to the vendor(s) or service provider(s).

Home improvement loans overview

• Verification of income such as letter of appointment, personnel action form, or pension statement
• Two most recent pay statements 

For international property loans: 

• Signed and dated purchase agreement for the home or land
• We will contact you to request proof that the seller owns the home or land. If your loan is approved, we will request a wire transfer form payable to the seller or the attorney indicated in the purchase agreement.

For international home build loans: 

• Certificate of ownership such as a land title
• Signed and dated cost estimates on contractor letterhead, indicating your name and the property address

International home loans overview