Loans

BSE Credit Union has a variety of loans available to meet your needs. Our financial professionals make the loan process easy – we’ll listen to your needs and recommend the best loan for you. The application process is simple and the approval process is quick. When applying for a loan, all members will need to provide a current pay stub. Members applying for a vehicle loan will need to present a purchase agreement. Call or email us today for more information.    Check out www.whatsmyscore.org and learn everything you need to know about credit. To determine an approximate monthly payment click here.

Home Equity and Second Mortgage Loans
The credit union offers two methods to use your home's equity.  Our variable rate option is a Home Equity Line of Credit.  This product offers a revolving line of credit that allows you to borrow what you need when you need it.  There are no closing costs.  Our FIXED rate option is a Second Mortgage, which gives you immediate access to a lump sum of cash with a long repayment term.  Closing costs are less than $600 and can be added to your loan.  We'll help identify the option that's best for you so you can take advantage of the silver lining in your home.  Click here to appy.

Line Of Credit Loans
Feeling trapped in a cycle you can't escape? Turn to our Quik Loan Revolving Line of Credit. As you make your Quik Loan payments you will have funds available immediately since it is a revolving loan. With this new source of funds, you won't have to go back to payday lenders. You could also use the money available through your payments for expenses like vacations, college tuition, home or auto insurance at a term of 12 months to pay.  Click here for current rates or click here to apply.

New & Used Vehicle Loans
Whether you’re shopping for a new vehicle or a previously owned vehicle that’s new to you, BSE Credit Union has the loan for you. We also finance motorcycles, boats, and recreational vehicles. With flexible terms and competitive rates, BSE is your place for auto financing. If you’ve already purchased your vehicle and financed it through the dealership or at another financial institution, give us a call and see if you can refinance it and save money. We’ll analyze your loan and tell you if we can give you a better deal. Either way, you’ve got nothing to lose!  Click here to apply.

Loan Calcuator
To get an idea of a monthly payment on any of our loans click here.

Mechanical Repair Coverage

The miles can add up but the repair costs don’t have to.

MEMBER’S CHOICE® Mechanical Repair Coverage can help deflect some risk of costly repairs keeping your vehicle running extra miles and extra years. With different coverage levels and deductibles to choose, there’s a plan to fit your family’s budget.  Whether you depend on your vehicle for work or getting your family to school and activities, you need transportation that’s safe and reliable. The older your vehicle, the more it takes to keep it in good working order. Not making small repairs can lead to even more expensive repairs and ignoring other repairs can be dangerous.

Benefits of the program*:

Good at any authorized repair facility in the U.S. or Canada
Rental reimbursement: up to $35 per day for 5 days (or 10 days for a parts delay) from day one.
24-hour emergency roadside assistance: up to $100 per occurrence. Includes towing, battery jump start, fluid delivery, flat tire assistance and lock-out service.
Travel expense reimbursement: up to $500 for lodging, food and rental expense when a covered breakdown occurs more than 100 miles from home.
Transferable: if you sell your vehicle privately, the coverage can be transferred for a fee, adding resale value and appeal.
Cancelable: receive a full refund within the first 60 days or a pro-rated refund thereafter less an administrative fee.
No out of pocket expense at time of mechanical repair: (except for any deductible and any repairs not covered by the policy)–the covered repair is paid directly to the authorized repair facility by the plan.
Ask about deductible options

*Program details may vary by state. Ask a Member Services Representative for details or receive a quote by calling (440) 243-9180.

MEMBER’S CHOICE® Mechanical Repair Coverage is administered by Consumer Program Administrators, Inc. in all states except AK and CA, where coverage is administered by Virginia Surety Company, Inc., in WA, where coverage is administered by Automotive Warranty Services, Inc., in FL, LA , OK and WI, where coverage is administered by Automotive Warranty Services of Florida, Inc. (Florida License #60023) and in AZ, where the Obligor and Administrator is Consumer Program Administrators, Inc., all located at 175 West Jackson Blvd., Chicago Illinois 60604, 1-800-752-6265. This coverage is made available to you by CUNA Mutual Insurance Agency, Inc. In those states where MEMBER’S CHOICE® Mechanical Repair Coverage is offered as insurance (form MCCU-001-MBI) it is underwritten by Virginia Surety Company, Inc.

MRC-896721.1-0414-0516 © CUNA Mutual Group 2014, All Rights Reserved.

No Credit Check Loans
When you are having financial struggles, our “No Credit Check Loan” is here to help. There is no minimum credit score required. We can help with loans up to 12 months and loan amounts up to $1,000 for qualifying members. Click here for more details or click here to apply.

“QUIK” LOAN
Life can take a funny turn with no warnings.  Many times that involves finances – an appliance replacement, medical bills or even a loss of your job.  Count on a BSE ”QUIK” Loan to save the day!

After you are approved for the Quik Loan, as you make payments you’ll have funds available immediately since it is a revolving loan.  No more having to apply for a loan… the funds are available to withdrawal or transfer.  It can be a true lifesaver!  With this new source of funds, a “Quik” Loan helps you avoid payday lenders or having to skip paying other bills only to fall behind and rack up more interest charges.  Escape the worry.  Apply for a Quik Loan today!  You’ll quickly get the boost you need!

Share Secured Loans
Looking to build your credit? Want to improve your credit score? This is a great way to do either of those. Simply secure funds in a savings account and they’re used as collateral for a loan. You get a reduced rate on your loan and you can build and improve your credit at the same time. Click here to apply.

Signature Loans
If you suddenly find yourself in need of some extra cash, a BSE Signature Loan might be the answer. Need a new computer? Thinking of a weekend getaway? Have unplanned car repairs? We can help with loans up to 66 months and loan amounts up to $20,000 for qualifying members. Click here for current rates or click here to apply.

Skip-A-Pay
Need a little extra cash? Try a Skip-A-pay and take a month off from your loan payment. Qualified members can skip a loan payment once per calendar year at BSE Credit Union for qualifying loan products. Click here for more details or click here to apply.

Student Loans
BSE has partnered with Sallie Mae to begin offering The Smart Option Student Loan.  With college cost growing fast its time to borrow smarter.  Get Started

 

 

 

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