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Borrower Eligibility

Will I be eligible for a Loan?
Why was I disqualified?
Can Water and Power Community Credit Union make exceptions for unique situations?
Can I use a cosigner?
What are the minimum credit requirements to receive a loan?
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Applying for a Loan

Can I apply for a second loan?
How does applying for a loan affect my credit?
When and how do I receive my loan funds?
What is the range of interest rates offered on loans, and what is the difference between APR and interest rate?
Can I change my loan application after it has been submitted?
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Verification

How do I get my transcript?
Can I use my household or spousal income?
What documentation will verify my income?
Can I increase my loan amount after I have accepted my loan terms?
What is considered income?
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Making Loan Payments

How can I delete an old bank account?
Can I split my monthly payment into two or more installments?
Does Water and Power Community Credit Union charge a prepayment fee or penalty?
What portion of my payment is interest vs. principal?
What are my payment obligations?
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About Upstart

What is Upstart?
How can I contact the Water and Power Community Credit Union?
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Popular questions

What is the range of interest rates offered on loans, and what is the difference between APR and interest rate?
Can I apply for a second loan?
Options for Making Payments
Can I turn off automatic ACH payments?
What is Upstart?
When and how do I receive my loan funds?

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LEGAL AGREEMENTS

Do not sell my info

All loans are made by Water and Power Community Credit Union, Federally Insured by NCUA. All loans subject to final credit approval.

FDIC insurance up to the maximum allowed by law. Rising Bank® and Midwest BankCentre® are treated as the same entity for the purpose of calculating FDIC insurance limits and deposits.

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