Loan Details

  • Fixed rate of 28.00% APR.
  • Loans up to $2,000, terms up to 12 months.
  • No Credit Inquiry

Loan Qualifications

  • Applicant must have an active checking* for at least one (1) month.
  • Applicant must have an automatic deposit** of at least $200 per month for a minimum of two (2) consecutive direct deposit transactions with Xplore FCU. The direct deposit/automatic deposit must be in the name of the primary account holder.
  • No active Chapter 13 bankruptcies.
  • All accounts and loans must be in good standing for up to six (6) months. No delinquent loans.***
  • All No Credit Check Loan Plus (NCCL+) payments must be set on immediate payroll.
  • Any existing NCCL/ NCCL+ must complete four (4) full monthly payments before a refinance is available.
  • Must settle any existing NCCL/NCCL+ with the proceeds from the new loan.

A $20.00 application fee will be debited from applicant’s account prior to loan being processed.

  • OK Loan Amount is required
  • OK Term (months) is required
  • Application Fee From

    OK Application Fee From is required
  • OK Name (First & Last) is required
  • Are you an Xplore member?

    OK Are you an Xplore member? is required
  • OK Member Number is required
  • OK Address is required
  • OK City is required
  • OK State is required
  • OK Zip is required
  • OK Home # is required
  • OK Work # is required
  • OK Cell # is required
  • OK Email is required
  • Date of Birth

    OK Date of Birth is required
  • OK Employer is required
  • OK Monthly Salary is required
  • Date of Employment

    OK Date of Employment is required
  • OK Position is required
  • Pay Frequency

    OK Pay Frequency is required
  • OK Rent/Mortgage Payment is required

Reference 1 (Not Living With You)

  • OK Relationship is required
  • OK Address is required
  • OK City is required
  • OK State is required
  • OK Zip is required
  • OK Phone # is required

Reference 2 (Not Living With You)

  • OK Relationship is required
  • OK Address is required
  • OK City is required
  • OK State is required
  • OK Zip is required
  • OK Phone # is required
  • By submitting the loan request, I agree to the qualifications and authorize Xplore Federal Credit Union to access the $20.00 nonrefundable application fee. Loan approval based on qualifications listed.

  • OK is required
  • APR = annual percentage rate. Loans from $500 to $2,000 with term up to 12 months. Two (2) No Credit Check/No Credit Check Plus loans allowed per calendar year. Four (4) full monthly payments must be made before applying for the next No Credit Check Loan. *Active checking defined as a minimum of one (1) transaction per month. **Mobile deposits and Unemployment direct deposits do not meet direct deposit requirements. ***Delinquent loan defined as 30 days or greater past the scheduled payment date. A non-refundable $20.00 loan application fee is required and will be deducted from your Xplore Federal Credit Union Checking or Savings account. Federally insured by the NCUA. Payment example: Approximately $96.48/month for every $1,000 borrowed at 28.00% APR for 12 months.