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2023 Bright Light Loan Application
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Amount not to exceed $2,000.00.
All loans are for up to 18 months at 18.00% APR*
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Applicant
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NOTICE: Alimony, child support, or separate maintenance income need not be revealed if you do not
choose to have it considered.
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References
(Please include Street, City, State and Zip)
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NOTICE: Alimony, child support, or separate maintenance income need not be revealed if you do not choose to have it considered.
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REFERENCES
(Please include Street, City, State and Zip)
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ASSETS - WHAT YOU OWN
Check box for Applicant/Other. List all assets and account number(s)
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Applicant Information
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Other assets e.g., Auto, Boat, Stocks, Bonds, Cash, Household Goods, Real Estate, etc.
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Other Information (Co-Applicant, Spouse)
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Other assets e.g., Auto, Boat, Stocks, Bonds, Cash, Household Goods, Real Estate, etc.
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DEBTS - WHAT YOU OWE
In addition to Rent/Mortgage list all other debts (for example, auto loans, credit cards, second mortgage, home assoc. dues, alimony,
child support, child care, medical, utilities, auto insurance, IRS liabilities, etc.) Please use a separate line for each credit card and auto
loan. Attach other sheets if necessary.
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Applicant Information
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Other Information (Co-Applicant, Spouse)
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Applicant
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Other (Co-Applicant, Spouse)
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Notice to Nebraska Residents: A credit agreement must be in writing to be enforceable under Nebraska law. To protect you and us from any misunderstandings or disappointments, any contract, promise, undertaking, or offer to forear repayment of money or to make any other financial accomodation in connection with this loan of money or grant or extention of credit, or any amendment of, cancellation of, waiver of, or substitution for any or all of the terms or provisions of any instrument or document executed in connection with this loan of money or grant or extension of credit, must be in writing to be effective.
Notice to New York Residents: New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods, New York State Department of Financial Services: 800-342-3736 or www.dfs.ny.gov
Notice to Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available 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.
Notice to Wisconsin Residents: (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.
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CONSENSUAL SECURITY INTEREST
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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. Shares and deposits in an IRA or 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 or deposits. You may withdraw these other shares unless you are in default. When you are in default, you authorize us to apply the balance in these accounts to any amounts due. For example, if you have an unpaid credit card balance, you agree we may use funds in your account(s) to pay any or all of the unpaid balance.
By signing or otherwise authenticating below, you are affirmatively agreeing that you are aware that granting a security interest is a condition for the credit card and you intend to grant a security interest.
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By signing or otherwise authenticating below:
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 all your debts and
obligations. 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. You understand that it is a crime to
willfully and deliberately provide incomplete or incorrect information in this application. If there are any important changes, you will notify us in writing immediately. You also agree to
notify us of any change in your name, address or employment within a reasonable time thereafter.
You authorize the credit union to obtain credit reports in connection with this application for credit and for any update, renewal or extension of the credit received and for other accounts, products, or services we may offer you or for which you may qualify.
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Effective November 13th, 2023
*APR = Annual Percentage Rate. Must be a member of AFN CU for at least one year with account history in good standing to qualify. Maximum amount $2,000. Example payment: 18.00% APR, 18 month term, amount $2,000 = monthly payments of $127.67. This offer may be withdrawn at any time. Rate is subject to change any time. Subject to a $23 processing fee. Offer is subject to employment and income verification. Other restrictions may apply.
Please send a copy of income verification document(s) to loans@afncu.com once the application is complete. Thank you.
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