Apply for a Loan

Select the loan you'd like to apply for from the options below. You'll be directed to the appropriate application whether you're currently a member or not.

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Vehicle Loans

Includes Auto, Truck, Van, Motorcycle, 
Boat & RV Loans.

Apply for a Vehicle Loan

Calculate Vehicle Payment

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Get pre-approved or submit a complete mortgage application. Financing is available for homes in New York, Connecticut, and Pennsylvania.

Apply for a Mortgage

Calculate Mortgage Payment

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Credit Cards

Choose from four options, including cards with reward points and cash back features.

Apply for a Credit Card

Calculate Credit Card Payoff Schedule

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Home Equity Loans &
Lines of Credit

Includes Flex Lock HELOC and 
Solar Panel Financing.

Apply for a Home Equity

Calculate HELOC Payment

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Personal Loans &
Lines of Credit

Includes Readi-cash Line of Credit, Signature Loans, & Secured Loans/Lines of Credit. 

Apply for a Personal Loan

Calculate Loan Payment

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Personal Assistance 
Loan (PAL & PAL Plus)

No credit check required, with an instant loan decision. Borrow between $200 and $1,500.

Apply Through Online Banking

Calculate Loan Payment

  • 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.
  • In addition to the above, you will receive an approval or denial email to the email address provided on your application. 
  • If you are 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.
  • 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) 

The following information will help you complete your application:

  • Property information – the basics about the property you want to finance
  • Gross income
  • Employment info 
  • Assets – what you plan to use for your down payment and closing costs
  • Liabilities – what you owe and to whom. We will run a credit report to confirm liabilities and fill in that section of the application for you. (You'll have a chance to review and make any corrections.)

After we receive you completed application and documentation, your income, credit history, and other factors are reviewed to determine if you are eligible for a mortgage commitment. 

Application Steps

  • An underwriter will first review your application for completeness and may request additional documentation needed to make a credit decision. 
  • A processor will then order an appraisal and follow up with you to obtain any additional documentation or information until all the items necessary to receive final loan approval are received. 
  • Once all your supporting documentation and loan arrangements are in place, you will be ready for closing. 
  • At the closing, you will sign documents that pledge your property as security and affirm your commitment to repay the loan. 

Learn more about the steps to home financing

Some new loan applications are instantly approved by our system, but if yours is not one of those applications we’ll provide a status update via email, when available. Additionally, you can check the status of your application online as follows: 

Loan Applications, Excluding Mortgage Applications

You can view your status directly from our website or when logged into Internet Banking or Mobile Banking.

If you are not logged into Internet Banking or Mobile Banking, click the Track Loan Application link from the Personal / Borrow menus on our website. Enter your info and click the Get Status button.

If you are logged into Internet Banking or Mobile Banking, click the New Account/Loan App menu under Accounts & Loans. Enter your info and click the Check Status button.

Application Status for Loan Applications

Here are the status designations you may see when checking your application:

  • 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.

To check the status of a mortgage application, click here or click the Track Mortgage Application link from the Personal / Borrow menus on our website. 

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