Loan Application

Loan App Step 1
Individual Credit: You must complete the loan application about yourself and 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 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 this form. If Co-Borrower is spouse of the applicant, mark the Co-Applicant box. Guarantor: Complete the Other section if you are a guarantor or an account/loan.

Check below to indicate the type of account(s) and type of credit for which you are applying. Married applicants may apply for a separate account.

LOANLINER ACCOUNT / LOAN

(Including ATM/Debit card access to the account if available).

PURPOSE / COLLATERAL

Loan App Step 2

PAYMENT PROTECTION

If you answer "yes", then the credit union will disclose the cost of this voluntary payment protection to you. A separate election which discloses the terms and conditions must be signed for protection to be effective.

Loan App Step 3

APPLICANT

Loan App Step 4

EMPLOYMENT / INCOME

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?

Loan App Step 5

REFERENCE

Loan App Step 6

WHAT YOU OWE

Fill out your total debts below. Do not include any debts owed to Pacific Horizion Credit Union.

Loan App Step 7

WHAT YOU OWN

Loan App Step 8

OTHER INFORMATION ABOUT YOU

If you answer "yes" to any question other than #1, explain below.

Loan App Step 9

OTHER INFORMATION ABOUT YOU

OHIO RESIDENTS ONLY: The Ohio laws against discrimination require that all creditors make credit equally avaialable to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

WISCONSIN RESIDENTS ONLY: (1) No provision of any marital property agreement, unilateral statement under Section 766.59, or court decree under Section 766.70 will adversely affect the rights of the Credit Union unless the Credit Union is furnished a copy of the agreement, statement or decree, or has actual knowledge of its terms, before the credit is granted or the account is opened. (2) Please sign if you are not applying for this account or loan with your spouse. The credit being applied for, if granted, will be incurred in the interest of the marriage or family of the undersigned.

You promise that everything you have stated in this application is correct to the best of your knowledge and that the above 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 decison. 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. It is a federal crime to willfully and deliberately provide incomplete or incorrect information on loan applicaitons made to federal credit unions or state chartered credit unions insured by NCUA.