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ONLINE LOAN APPLICATION

Click here if you would like to try our Loan Calculator before applying
 
Account Number  
Type of Credit Applied For:
Overdraft Protection Line of Credit – Limit Desired $
First Source of Coverage:
Overdraft Protection Line of Credit
Share Account
Auto:
New Used Refinance
Bill Consolidation
Secured:
Share CD Stock Other (describe)
Please choose one of the following and type in the box below:
Continuing Education Loan, Vacation Loan, Holiday Loan, Computer Loan.
Amount Requested $ No. of Months
Repayment:
1) Automatic Payment:
(Select this option for a .25% discount on your rate.) 		2) Billed
... Checking
... Shares
... Money Market		  
If You live in a community property state, are You:
Married Applicants may apply for individual credit. Would You like:

Please fax the following Required Documentation as applicable to 201-263-3829:

  • Proof of Income – Most recent pay stub.
  • Self Employed – Prior 2 years tax returns including Sch.C.
  • Debt Consolidation – Copy of Bills.
  • Vehicle Loan – Purchase Order, Notarized letter from seller, or payoff letter.
  • Other documents may be required upon request.

 
       
Definitions

Whenever used in this application, the words You and Your refer to the applicant(s), and the words We, Us, and Our refer to Paragon Federal Credit Union.

  • Complete all the questions, or answer N/A. We are unable to process incomplete applications.
  • Complete Spouse information only if the following apply:
    • This is for joint credit with Your Spouse.
    • Your Spouse will use Your Account.
    • You’re relying on Your Spouse’s income.
    • You live in a community property state: AZ, CA, ID, LA, NM, NV, TX, WA, WI (or Puerto Rico)
  starts at 17 here    
Applicant
First Name, Middle Initial Last Name

Home Address

City
State Zip
Driver's License Number Date of Birth MM/DD/YYYY
Social Security Number (no dashes) Home Telephone (no dashes)
Current Employer Work Telephone (no dashes)
Self-Employed Retired
 E-mail Address
Employer Address Employer City
Employer State Employer Zip
Gross Annual Income Job Title
Date Employed Previous Employer (if less than 2 years)
Do You: Own Rent Other Mortgage or Rent Payments
Other Income Source* Other IncomeAmount*
*NOTE: Alimony, child support, or separate maintenance income need not be revealed if You do not choose to have it considered as a basis for repaying this credit request.
Mother's Maiden Name    
Name of Personal Reference Personal Reference Address
Personal Reference City Personal Reference State
Personal Reference Zip Personal Reference Phone
(no dashes)  
       
Spouse/Co-Applicant
Guarantor/Co-Signer
First Name, Middle Initial Last Name
Home Address City
State Zip
Driver's License Number Date of Birth MM/DD/YYYY
Social Security Number (no dashes) Home Telephone (no dashes)  
Current Employer Work Telephone (no dashes)  
Self-Employed Retired
 E-Mail Address
Employer Address Employer City
Employer State Employer Zip
Gross Annual Income Job Title
Date Employed MM/DD/YYYY Previous Employer (if less than 2 years)
Do You: Own Rent Other Mortgage or Rent Payments
Other Income Source* Other Income Amount*
*NOTE: Alimony, child support, or separate maintenance income need not be revealed if You do not choose to have it considered as a basis for repaying this credit request.
Mother's Maiden Name    
Name of Personal Reference Personal Reference Address
Personal Reference City Personal Reference State
Personal Reference Zip Personal Reference Telephone
(no dashes)
       
Optional Credit Insurance

Credit Life and/or Credit Disability Insurance are not required to obtain credit under this plan and, for Credit Line Accounts, will be included only if requested by the APPLICANT. The insurance rates for Credit Line Accounts are shown. For Credit Line Accounts, the insurance charge is calculated each month by multiplying the outstanding indebtedness/sum of the remaining monthly payments (as appropriate) of the Account on the last day of that month by the rate shown. Your Credit Union can tell You what Your Account balance is and how many months are required to repay Your Account. FOR EXAMPLE: If You have applied for Credit Disability Insurance and Your scheduled monthly payment on an advance is $50 with a repayment term of 24 months, Your total of payments will be $1,200 ($50 x 24). From the table, the rate for Credit Disability is $0.98 single coverage. In this example, the total of payments ($1,200) is divided by 1,000 and then multiplied by the rate of $0.98 for Credit Disability, which equals the monthly premium of $1.18.

Closed-End Loan Applicants – You must CHECK ONE OR MORE of the boxes below.
You are interested in Credit Disability Insurance - none single coverage
You are interested in Single Credit Life Insurance - No Yes
You are interested in Joint Credit Life Insurance - No Yes
CREDIT LIFE INSURANCE RATE PER MONTH PER $1,000 OF OUTSTANDING INDEBTNESS – SINGLE COVERAGE - $0.62 JOINT LIFE - $0.93 FOR ALL LOAN TERMS
CREDIT DISABILITY INSURANCE – SINGLE COVERAGE RATE PER MONTH PER $1,000 OF THE SUM OF THE REMAINING MONTHLY DISABILITY BENEFITS.
Latest
Projected
Loan
Term
Rate
Latest
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Loan
Term
Rate
Latest
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Loan
Term
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Latest
Projected
Loan
Term
Rate
Latest
Projected
Loan
Term
Rate
Latest
Projected
Loan
Term
Rate
1
2
3
4
5
6
7
8
9
10
$.90
1.14
1.31
1.41
1.44
1.50
1.46
1.42
1.40
1.37
11
12
13
14
15
16
17
18
19
20
$1.35
1.33
1.26
1.24
1.19
1.16
1.13
1.10
1.07
1.05
21
22
23
24
25
26
27
28
29
30
$1.03
1.01
.99
.96
.96
.94
.92
.90
.89
.88
31
32
33
34
35
36
37
38
39
40
$.86
.85
.84
.83
.82
.81
.80
.78
.78
.77
41
42
43
44
45
46
47
48
49
50
$.76
.75
.74
.73
.73
.72
.71
.71
.70
.69
51
52
53
54
55
56
57
58
59
60
$.69
.68
.68
.67
.67
.66
.66
.65
.65
.65

Latest
Projected
Loan
Term
Rate
Latest
Projected
Loan
Term
Rate
Latest
Projected
Loan
Term
Rate
Latest
Projected
Loan
Term
Rate
Latest
Projected
Loan
Term
Rate
Latest
Projected
Loan
Term
Rate
61
62
63
64
65
66
67
68
69
70
$.64
.63
.63
.63
.62
.62
.61
.61
.60
.60
71
72
73
74
75
76
77
78
79
80
$.59
.59
.59
.58
.58
.58
.58
.58
.57
.57
81
82
83
84
85
86
87
88
89
90
$.57
.56
.56
.56
.56
.56
.55
.55
.55
.55
91
92
93
94
95
96
97
98
99
100
$.54
.54
.54
.54
.54
.53
.53
.53
.53
.53
101
102
103
104
105
106
107
108
109
110
$..52
.52
.52
.52
.52
.52
.52
.51
.51
.51
111
112
113
114
115
116
117
118
119
120
$.51
.51
.51
.51
.51
.50
.50
.50
.50
.50
If You applied for Credit Insurance, You authorize the Credit Union to add the required premiums to Your Account, charge a Finance Charge on the premiums at the rate which applies to Your Account, and forward the premium collected from You to the Insurance Company.

CREDIT INSURANCE COVERAGE APPLIED FOR:
*DISABILITY INSURANCE IS ONLY PROVIDED FOR ON DEBTOR. IF DISABILITY COVERAGE IS INDICATED FOR BOTH THE DEBTOR AND CODEBTOR COVERAGE WILL BE PROVIDED FOR THE DEBTOR ONLY.
Disability:* Yes No  
Single Life: Yes No  
Joint Life: Yes No  
       
Signatures

You warrant the truth of the information provided herein and You realize that it will be relied upon by Us in deciding whether or not to grant the credit applied for. You hereby authorize Us, Our employees and agents to investigate and verify any information provided to Us by You. If this application is for any Feature Category contained in Our Credit Line Account Program, You agree and understand that if approved, You are contractually liable according to the applicable terms of the Credit Line Account Agreement and Disclosure. You will receive a copy of the Credit Line Account Agreement and Disclosure no later than the time of Your first credit advance and You promise to pay all amounts charged to Your Account according to its terms. If this is a joint application, You agree that such liability is joint and several. You assume any risk that may be associated with permitting Us to accept Your facsimile signature. You will be required to sign an application at a later date.

If you do not complete this section of the application a pre-approval certificate will be mailed (instead of emailed) to you.
Please Enter your email address
Savings Secured Applicants: If Your credit is approved, You grant Us a specific pledge of shares in Your Share Account identified below and for the amount specified:
Account Number Amount $

 

       
 
 

 

 
 
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