child support, or separate maintenance income need
not be revealed if you do not wish to have it considered
as a basis for repaying this obligation.
All loan rates quoted are for
individuals with excellent and substantial credit.
Individuals with less than excellent credit may
be offered higher rates. In addition, Annual Percentage
Rates (APRs) are 0.25 percentage points higher for
loans without ISPFCU checking account payments transfer
and 0.25 percentage points higher for non-PFI members
not to exceed an increase of .50%. Rate deductions
are not applicable to VISA, first mortgage, certificate
or share secured loans.
Your loan documents will be
e-mailed to you at the e-mail address indicated
on this application upon approval of your request.
Signing and returning the loan documents to ISPFCU
will serve as notification that you are in agreement
with the terms and conditions of the loan contract.
Loan proceeds will be disbursed upon ISPFCU’s receipt
of required documentation. Funds will be disbursed
as directed in the disbursement authorization section
of your loan documents.