Loyalty Loan Program

At allU.S. Credit Union we’re dedicated to providing the tools, resources and expertise that will empower your financial success.   Don’t think you’re the only one who may have less than perfect credit.  You’re not alone.  That shouldn’t mean you couldn’t qualify to buy a vehicle, consolidate debt or get a personal loan.  That’s why we’ve developed our Loyalty Loan Program for those individuals who have blemished credit scores and are having a difficult time qualifying for a loan.

These loans will help with immediate needs and also help rebuild your credit.  These loans will reward the members with on-time payments with a lower interest rate and loan payment over the life of the loan and give the member:

  • The ability to borrow with an unhealthy credit score
  • Flexible qualifying guidelines
  • Incentives to lower your loan interest rate and monthly payment
  • Improvement of your overall credit rating and credit score

The loyalty loan program covers the following types of loans:

  • Auto
  • RV
  • Boat
  • Motorcycle
  • Signature Loans

Here’s How It Works:

  • Set up on automatic loan payment through allU.S.
  • Must pay on time for the first 12 months of the loan and interest rate will be adjusted on the 13-month. 2nd year payment is paid on time rate will be adjusted on the 25th month.
  • At any time payment is not made by the 15th day after due date rate can be changed on the 16th day to original loan rate. 

If you don’t qualify at first with a low interest rate, our loyalty loan program can help you reduce that rate overtime. 

  • You have the potential to receive interest rate reduction for the first 2 years of your loan up to 2% each year with an automatic loan payment through allU.S.*
  • Reduce the amount of interest charged
  • Help you pay the principal loan balance faster
  • Save you money over the life of the loan.
  • Your monthly payment amount will not change due to the Loyalty loan interest rate reduction.
  • Improve credit score and generate repeat business and word of mouth

While “thank you” has a nice ring to it, words just don’t carry the same weight as actions. Our way of giving back to our members for their loyalty is to make sure they continue to receive more value from their membership investment—with our Loyalty Loan Program

Contact our Loan Department by calling 831-540-4627 or apply online.

*The actual individually implemented amount of the intent rate reduction is at the sole discretion of the Credit Union