Loan Request Information

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Loan Details

*Are you a current UMe Federal Credit Union member: *Are you a current UMe Federal Credit Union member:

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*Type of Loan:

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I am under the age of 18:

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Loan Protection Options

Please add Credit Life Payment Protection to my loan.

Single and Joint Credit Life can help pay off or reduce the insured balance on almost any UMe loan, in the event of the borrower’s (or co-borrower’s) death up to coverage maximums. The premium amount may be included in the monthly loan payment, at the time the loan payment is calculated.

Please add Credit Disability Payment Protection to my loan.

Credit Disability Insurance may make monthly loan payments if a borrower becomes totally disabled due to a covered injury or illness for the time periods specified in the policy, up to coverage maximums. The premium amount may be included in the monthly loan payment, at the time the loan payment is calculated.

Please add Guaranteed Asset Protection (GAP) to my loan.

GAP helps protect you against financial loss if your GAP-protected vehicle is stolen or declared a total loss, easing your financial burden by canceling the difference between your primary insurance settlement and your vehicle loan balance, on items directly related to the purchase of your vehicle. It may also cancel up to $2,500 of your next loan with us, when you purchase a replacement vehicle within 60 days from the insurance settlement date. The GAP can be included with your monthly payments or purchased separately.

Please add Mechanical Breakdown Insurance (MBI) to my loan.

MBI protects you against the costly out-of-pocket expenses associated with vehicle repairs extending beyond the manufacturer’s standard warranty; and includes major component coverage - engine, transmission, front and rear wheel drive, front suspension, steering, electrical, and air conditioning, as well as rental car reimbursement and 24-hour assistance. Unlike other warranty programs, our MBI allows for service at the repair facility of your choice, and coverage is transferable to a new owner. We offer various levels of coverage, so you can choose a plan that meets your specific needs. The cost of coverage can be included in your monthly vehicle payment or purchased separately.

Loan Type Disclosure Statement

Important information for younger borrowers.

It is important that the information we collect is accurate. Please ensure you are under 18 by clicking "Yes, I am under 18" below.

Important information for younger borrowers.

Unfortunately we cannot legally have any contractual agreements signed by minors. We apologize for any inconvenience.

What Type of Co-Applicant should I Choose?

Co-Signer/Guarantor - Person who assumes equal liability for the obligation but does not benefit from the proceeds of the obligation.

A spouse cannot be a Co-Signer/Guarantor

Joint Borrower/Co-Borrower - Person who assumes equal liability for the obligation and benefits from the proceeds of the obligation.

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