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  Loan Questions

Apply for a loan
Lost Payment Coupon
Late Fees
Credit Reporting

How do I apply for a loan?
Come into the bank and talk with a loan officer to decide what type of loan best fits your needs or call to make an appointment. Walk-in appointments are welcome.

I do not have/lost my payment coupon. What do I do?
You do not need a coupon to make a payment, just specify the loan number in the memo on your check. We have a generic loan coupon on our loans page or click here if you would like to send one with your payment.

How long do I have past my due date before I get a late fee?
You have a 15 day grace period from the time of your due date before the fee is assessed.  However, you will receive a late payment notice after your payment becomes 10 days past due.

Do you report to the Credit Bureau?
Yes. We report to Equifax on a monthly basis.