Get A Secured Personal Loan

• There is no fee to use any of our online applications.
• If applying for an auto loan and you intend to purchase a vehicle at a participating dealer, please be sure to indicate this on your application to make the entire process more efficient. You’ll receive the same great rates and terms from HVCU when completing the financing at the dealership.
• A loan underwriter will notify you of an approval within two business days (with the exception of home equity approvals which take three business days). All other decisions will be communicated by mail within 5-7 business days.
• The following information will help you complete your application:
  • Housing expenses (rent, mortgage, taxes, insurance)
  • Gross income
  • Employment info
  • Value of your home and current loans (for home equity applications)

Check the Status of Your New Account/Loan Application

1. If you are an Internet Banking or Mobile Banking user, log in and click the New Account/Loan App option under the Accounts & Loans menu. Click the Check Status button.
2. If you are not an Internet Banking or Mobile Banking user, please check your status as follows:
   1. For new accounts, click the Track Account Application link from the Personal / Accounts menus on our website. Enter your info and click the Get Status button.
   2. For loan applications, click the Track Loan Application link from the Personal / Loans menus on our website.  Enter your info and click the Get Status button.

• Approved/Instant Approved: You can proceed with your new account or loan.
• Pending/Referred: A decision will be made within 24-48 hours.
• Declined/Instant Declined: Written notification will be mailed to you.