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Borrower Eligibility

Will I be eligible for a Loan?
Why was I disqualified?
Can TN Members 1st FCU 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 TN Members 1st FCU 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 TN Members 1st FCU?
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Popular questions

Will I be eligible for a Loan?
What subsequent events may disqualify my TN Members 1st FCU loan application?
What are the minimum credit requirements to receive a loan?
What is considered income?
What is the difference between a soft and hard credit inquiry?
Can I schedule two automatic payments per month?

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LEGAL AGREEMENTS

Do not sell my info

All loans are made by
Tennessee Members 1st Federal Credit Union, Federally Insured by NCUA
All loans subject to final credit approval.

All loans are made by
Tennessee Members 1st Federal Credit Union, Federally Insured by NCUA
All loans subject to final credit approval.

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