What do you need help with?

Borrower Eligibility

Will I be eligible for a Loan?
Why was I disqualified?
Can Ardent Credit Union make exceptions for unique situations?
Can I use a cosigner?
What are the minimum credit requirements to receive a loan?
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Applying for a Loan

Can I apply for a second loan?
How does applying for a loan affect my credit?
When and how do I receive my loan funds?
What is the range of interest rates offered on loans, and what is the difference between APR and interest rate?
Can I change my loan application after it has been submitted?
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Verification

How do I get my transcript?
Can I use my household or spousal income?
What documentation will verify my income?
Can I increase my loan amount after I have accepted my loan terms?
What is considered income?
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Making Loan Payments

How can I delete an old bank account?
Can I split my monthly payment into two or more installments?
Does Ardent Credit Union charge a prepayment fee or penalty?
What portion of my payment is interest vs. principal?
What are my payment obligations?
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About Upstart

What is Upstart?
How can I contact Ardent Credit Union?
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Popular questions

Can I split my monthly payment into two or more installments?
What documentation will verify my income?
How does applying for a loan affect my credit?
Will I be eligible for a Loan?
What can I use the loan proceeds for?
How do I get my transcript?

LEGAL AGREEMENTS

All loans are made by
Ardent Credit Union, Federally Insured by NCUA, Equal Opportunity Lender.
All loans subject to final credit approval.

All loans are made by
Ardent Credit Union, Federally Insured by NCUA, Equal Opportunity Lender.
All loans subject to final credit approval.

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