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Applicant Information
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Contact Information
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Demographic Information
Why we collect demographic information
The purpose of collecting this information is to help ensure that all applicants are treated fairly and that the housing needs of communities and neighborhoods are being fulfilled. For residential mortgage lending, Federal law requires that we ask applicants for their demographic information (ethnicity, sex, and race) in order to monitor our compliance with equal credit opportunity, fair housing, and home mortgage disclosure laws.You are not required to provide this information, but are encouraged to do so. You may select one or more designations for "Ethnicity" and one or more designations for "Race". The law provides that we may not discriminate on the basis of this information, or on whether you choose to provide it. However, if you choose not to provide the information and you have made this application in person, Federal regulations require us to note your ethnicity, sex, and race on the basis of visual observation or surname. The law also provides that we may not discriminate on the basis of age or marital status information you provide in this application. If you do not wish to provide some or all of this information, please check below.
Why we collect the following information. Federal law requires that lending institutions ask for demographic information. However, applicants are not required to provide it. This information is used to ensure that applicants are treated fairly and that the housing needs of communities and neighborhoods are being fulfilled.
Sex (select all that apply)
Ethnicity(select all that apply)
Race (select all that apply)
To speed up the application process, please take a picture of the BACK of your United States driver’s license. This will prepopulate your name and address information directly to your application.
If you do not wish to use this feature simply click the “Done” button, to proceed.
If you do not wish to use this feature simply click the “Done” button, to proceed.
Recommendation for best recognition:
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* Make sure all four corners are visible
* Avoid glare
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About Your Additional Applicant
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Reference Information
Contact Information
Current Address
Identification
Financial Information
Monthly Expenses
Demographic Information
Why we collect demographic information
The purpose of collecting this information is to help ensure that all applicants are treated fairly and that the housing needs of communities and neighborhoods are being fulfilled. For residential mortgage lending, Federal law requires that we ask applicants for their demographic information (ethnicity, sex, and race) in order to monitor our compliance with equal credit opportunity, fair housing, and home mortgage disclosure laws.You are not required to provide this information, but are encouraged to do so. You may select one or more designations for "Ethnicity" and one or more designations for "Race". The law provides that we may not discriminate on the basis of this information, or on whether you choose to provide it. However, if you choose not to provide the information and you have made this application in person, Federal regulations require us to note your ethnicity, sex, and race on the basis of visual observation or surname. The law also provides that we may not discriminate on the basis of age or marital status information you provide in this application. If you do not wish to provide some or all of this information, please check below.
Why we collect the following information. Federal law requires that lending institutions ask for demographic information. However, applicants are not required to provide it. This information is used to ensure that applicants are treated fairly and that the housing needs of communities and neighborhoods are being fulfilled.
Sex (select all that apply)
Ethnicity(select all that apply)
Race (select all that apply)
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Funding later may delay account activation
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To speed up the application process, please take a picture of the BACK of your United States driver’s license. This will prepopulate your name and address information directly to your application.
If you do not wish to use this feature simply click the “Done” button, to proceed.
If you do not wish to use this feature simply click the “Done” button, to proceed.
Recommendation for best recognition:
* Use a dark background
* Make sure all four corners are visible
* Avoid glare
* Make sure image is in focus
Review and Submit
Review and Submit
Branch Selection
Vehicle Loan Information
Additional Loan Information
Applicant Information
Applicant Contact Information
Address
Your Identification
Your Secondary Identification
Financial Information
Previous Employment Information
Please answer the following question(s)
Promotional Code if applicable
> How did you hear about us?*
> Please select your preferred language.*
> Please read the Electronic Record and Signature Disclosure. I agree to use electronic records and signatures.*
> Applicant - If this is an application for joint credit, Applicant and Co-Applicant each agree and acknowledge the intent to apply for joint credit.*
> Co-Applicant - If this is an application for joint credit, Applicant and Co-Applicant each agree and acknowledge the intent to apply for joint credit.*
> If I am providing my owned title as collateral for this loan, I will provide a copy of the title to be reviewed by the credit union before the loan is finalized.*
> Are you purchasing this vehicle privately?*
> I understand that if I choose to purchase my vehicle privately, First Commonwealth FCU will only lend up to a maximum amount of $20,000, even if I have been approved for a higher loan amount, and the vehicle cannot currently have a lien against it.*
> I understand that First Commonwealth FCU will only lend up to a maximum amount of $20,000 for private purchases and the vehicle cannot currently have a lien against it. If either of these are the case, please speak with an associate about other options.*
> I understand that First Commonwealth FCU does not lend against Reconstructed or Flood titles.*
> If this is a refinance, name the financial institution where you currently have the loan. Please also provide a copy of your current registration.
> I understand that if this is a lease buyout I must obtain a Sales Agreement from a dealership AND will need to pay sales tax in order to transfer the title into my name. I can choose to finance the sales tax into the loan or pay it out of pocket.*
> Whose name(s) will be on the title? Please be advised that all borrowers must be on the title and anyone on the title must be a borrower.
> I am aware that if this is a refinance from another institution or I am giving my owned title as collateral, I will be charged a $100 lien filing fee. This fee can be financed or paid out of pocket.*
> What is the vehicle identification number (VIN)?
> Which voluntary Payment Protection Option would you like for your loan? If you choose one of the options, a separate election which contains the terms and conditions of Payment Protection must be signed in order to be effective. PLEASE NOTE - If you are, or will become, over the age of 70 during the loan, your coverage amounts for Life Plus may be less.*
> Are you working 25 hours or more per week? If you answer yes, a separate election which contains the terms and conditions of Payment Protection must be signed in order to be effective. If you answer no, you may not be eligible for payment protection.*
> For Joint Applicant (if applicable) - Are you working 25 hours or more per week? If you answer yes, a separate election which contains the terms and conditions of Payment Protection must be signed in order to be effective.*
> Choose your loan payment frequency.*
> Choose your preferred loan payment method.*
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Protection that Matters
Credit Life and Credit Disability Insurance, underwritten by CMFG Life Insurance Company, is available for most loan products
Would you like more information about protecting your loan payment or balance with Credit Life and Credit Disability Insurance from your lender?Debt Protection is available with most loans by the credit union. It is designed to cancel your loan payment or balance, up to the contract maximums, if a protected life event occurs. Available package options will include one or more of the following life events: Life, Disability or involuntary unemployment.
Would you like more information about protecting your loan payment or balance with Debt Protection from your lender?MEMBER’S CHOICE™ Guaranteed Asset Protection (GAP) is an optional protection product made available by the credit union. In the event of a total loss, GAP is designed to cancel the difference between your primary insurance settlement and the outstanding loan balance, up to the contract maximums. For more information, call or visit the credit union.
Would you like more information about protecting your loan with GAP from your lender?Mechanical Repair Coverage can help you limit the cost of covered vehicle breakdowns.
Would you like more information about Mechanical Repair Coverage from your lender?Read, Sign and Submit
By clicking on "I agree", you authorize us to verify the information you submitted and to obtain credit reports concerning you. Upon your request, we will tell you if a credit report was obtained and give you the name and address of the credit reporting agency that provided the report. You warrant to us that the information you are submitting is true and correct. By submitting this application, you agree to allow us to receive the information contained in your application, as well as the status of your application.
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