Loan Services

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Auto Loans

LIRFCU offers a range of Automobile Loans:

  1. New & Used Purchase
  2. Private or Dealer Sales
  3. Lease Buyout & Refinances
  4. Equity Cash-Outs

 

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Auto Loans

Personal Loans

LIRFCU Whether for Vacation, Home Improvement, or Bills, our flexible personal loan program is perfect to get you the funds you need.  

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Personal Loans

Debt Consolidation

Save yourself the hassle and interest, consolidate your high interest cards and debts into one lower-interest easy-to-manage debt consolidation loan.

 

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Debt Consolidation

Mortgages

Our In-House mortgage programs provide you with a diverse options of home lending, from 1st Mortgages of up to 40 year terms, home equity loans, and short term investor mortgages.

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Mortgages

Share-Secured Loans

A Share-Secured Loan is a way to borrow against your own funds. Many choose this option to take advantage of a lower interest rate while still earning our high savings interest, or, to make sure they repay themselves. 

 

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Share-Secured Loans

Boat Loans

We are happy to offer Boat Loans to our members, and help them enjoy that aspect of being an Islander!

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Boat Loans

Frequently Asked Questions:

Do I need to be a member of LIRFCU to have a loan?
Do I need to be a member of LIRFCU to have a loan?

Yes. All of our Loan Services are design for and only available to our members. But becoming a member is easy and there is no cost! If your are not yet a member, Click Here to join.

 

How do I apply for a Loan?
How do I apply for a Loan?

 

Our application process is very simple. Most applications require 3 simple things:

  1. A Completed Application
  2. Income Verification (a Copy of Last Year's 1040 is best)
  3. A Copy of your Drivers License

You can submit these electronically, in person, or by mail!

How long does it take to get approved?
How long does it take to get approved?

Our approval process normally takes 1 to 2 business days upon receiving all necessary documents. 

As soon as we hear back from our underwriting department, we inform you of the response and what step you need to take to proceed with the loan.

 

Other Questions?