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Manage your loan information and make payments from a single, streamlined site. Enroll in Auto Pay to save time and money with automatic deductions from your bank account.

myloan provides borrowers with a variety of tools to help them understand their mortgage loans and repayment options. It also allows borrowers to compare key loan features side-by-side.

How do I apply for a loan?

You can apply for a personal loan at a bank, credit union or online lender. If you’re considering a credit union, you might be able to get prequalified by showing up in person with an officer. This type of prequalification typically involves a soft credit inquiry, which doesn’t impact your credit score. You can also check with lenders to see if you can get personalized rate estimates without applying.

The loan application process varies by lender, but you’ll generally have to provide your name and address, income and employment information and the reason for your loan. Some lenders will ask for additional documentation such as pay stubs, tax returns or driver’s license. If you’re approved, you’ll receive your loan documents and funds usually within a day.

Personal loans can help you get over a financial hurdle, cover an loans for self employed people unexpected expense or make a large purchase. Before you take out a loan, consider your options carefully and be sure the amount is necessary to meet your goals. You can even use a personal loan to consolidate debt, but be careful not to extend your repayment period or pay less than the total balance.

How do I make a payment?

Easily and securely make your loan payment online through myloan. Set up one time or recurring payments from your Members 1st account, debit card, or external financial institution (convenience fee applies). Obtain account balance information and history, as well as view alerts and notifications through myloan. Access to myloan is free for Members 1st checking account holders and through digital banking available on our website and mobile app. Non-members will be charged a $4.00 convenience fee for each payment made through myloan.

How do I get a copy of my loan agreement?

You can view and download unsigned copies of your loan agreement (before signing) from your online profile once you’ve completed a few steps. Additionally, Earnest can email you a signed copy of your loan agreement.

It’s important to review your loan terms carefully, especially the information relating to default. Your loan terms should specify how much interest accrues with each payment, when your next payment is due, and the remaining principal balance of your loan at maturity. They may also include wording that explains the consequences of missing payments, including damage to your credit score and collection strategies. No bank can deny you a copy of your agreement, so it’s worth asking for one. Just be prepared to pay the cost of photocopy/xerox. Generally it is nominal.

Myloan is your personal loan portal that includes information and tools to help you manage your loans. It provides access to your federal (Direct, Perkins, Stafford, Direct Grad PLUS, and Health Profession) and University of California/campus-based student loans as well as private or alternative student loans you may have borrowed. myloan also offers tools to assist with estimating your future periodic student loan payments.

Personal loans are unsecured, lump-sum loans that can be used for a variety of purposes. Some common reasons for borrowing include debt consolidation, home improvement projects, weddings, vacations, and major purchases. They offer lower interest rates than credit cards, and can be repaid over a set term. The interest rate of a personal loan can be determined by the lender, the market environment, and your credit history.

When you apply for a personal loan, your lender will perform a hard credit check to determine whether or not to approve your application. This can temporarily impact your credit score. Some lenders, including DCU, offer a personal loan option designed to build or rebuild your credit, allowing you to make on-time payments that are automatically applied to the principal of the loan. These types of personal loans are known as credit-builder or personal loan consolidation options.

Please note: If you have recently logged into myloan and your loans are no longer showing, it is likely that you have changed loan servicers. You can contact your new loan servicer to get the most up-to-date information about your loans. You can still view your loan balances, make payments and enroll in Auto Pay. We recommend that you sign up for eStatements as well, to receive your semi-annual history statements electronically. To do so, visit Citizens Online Banking and log in.