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Frequently Asked Questions (FAQs)

Loans FAQs

  • Can I get an add on to my loan?
  • Do you need to pull my credit report?
  • How much can I borrow?
  • How long does it take to get a loan?
  • Do I have to put money down if I want to purchase a car?
  • What types of loans do you offer?
  • Can I get an emergency loan?
  • What is a pledge on a loan?
  • Is there a penalty for paying off a loan early?
  • Can I pay more than my payment?


Credit, Debit and ATM Cards Questions

ATM
  • What is the daily limit on my ATM card?
  • Can I use my ATM card to make purchases?
  • Can my ATM card be used like a Credit Card?
  • How many tries do I have to get the correct Pin?
  • I lost my ATM what should I do?
  • Is there a fee to replace my card?

 

Debit
  • What is the daily limit for withdrawal on my Debit Card?
  • What should I select when making purchases with my Debit Card debit or credit?
  • Can I transfer or deposit funds in my account and use my Debit Card to make purchases the same day?
  • I used my Debit Card but I don’t see it posting to my account for 3 days?
  • How do I get a Debit Card?
  • I lost my Debit Card - what should I do?
  • What is the daily limit on purchases when using my Debit Card?
  • Is there a fee to replace my Debit Card?
  • Is there a minimum dollar amount I can dispute?

 

Credit
  • If I lost my Credit Card what should I do?
  • Can I view my Credit Card transaction and or make payment online?
  • Do I have to go to the Spring Valley location to get a cash advance?

 

Member Services Questions

Delinquency/Collections
  • If my loan becomes delinquent, when will I receive a late notice?
  • How much is the late charge for a delinquent payment, and is there a grace period on my loan before I would be charged a late fee?
  • If I am having financial difficulty & need to work out a payment plan for my loans, how do I go about doing that?
  • My VISA payment is always late, because I forget to mail it or pay in person. Is there a way to make payment through payroll deduction?
  • Can I pay my delinquent loan with a credit card over the phone?


ACH Related Questions - coming soon!