Frequently Asked Questions
General
Application Process
What types of personal credit cards are available?
We offer Visa Classic, Visa Platinum, and MasterCard. Refer to product
detail to compare card types.
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Which type of card is right for me?
The right card for you depends on your specific needs and the amount of
credit you qualify for. Refer to product detail to compare card types.
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How will my credit limit be determined?
Your credit limit is determined based on your income and ability to repay.
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If approved, when will I receive my card?
You will usually receive your card in 10 business days.
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Is there an annual fee?
No.
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How can I apply for a loan?
You may apply on-line, by phone, or in person.
On-Line: Our secure on-line application takes about 30 to 45 minutes to complete
and is available 24 hours a day, 7 days a week.
By Phone: To apply by phone, call us at 1-800-995-5626.
Monday – Thursday 8:00 a.m. – 7:00 p.m., Friday 8:00 a.m. –
6:00 p.m., Saturday 10:00 a.m. – 3:00 p.m. All times are Mountain Time
zone.
In Person: We have over 75 statewide locations in 55 communities. Find the
branch closest to you.
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How long does the application process
usually take?
On-Line: Usually, you will have an answer within hours during business hours,
subject to verification of your application information and other loan conditions
or stipulations.
By Phone: Generally, you will have an answer while you are on the phone, subject
to verification of the information you provided and other loan conditions
or stipulations.
In Person: Usually, you will have an answer within minutes upon receipt of
a completed application during business hours, subject to verification of
your application information and other loan conditions or stipulations.
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How quickly can I get approved?
On-Line: Usually, you will have an answer within hours during business hours,
subject to verification of your application information and other loan conditions
or stipulations.
By Phone: Generally, you will have an answer while you are on the phone, subject
to verification of the information you provided and other loan conditions
or stipulations.
In Person: Usually, you will have an answer within minutes upon receipt of
a completed application during business hours, subject to verification of
your application information and other loan conditions or stipulations.
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What information do I need to have
available to apply?
Understanding the application process prepares you to make better decisions
and will make the process easier. Click on the loan type below for a
checklist to assist you in the application process.
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Are there any fees or costs
to apply?
There are no fees or costs to apply.
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Are there any fees or costs associated
with my loan?
Generally none. We do not charge any loan origination fees, points, or closing
costs.
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How quickly can I close my loan?
The average time for closing a loan varies by loan type. For non-real estate
loans, you can usually close within 3 business days after all required information
is obtained by the bank. For real estate loans, closing times will vary based
on the type of appraisal required, but generally you can expect to close within
20 to 25 business days.
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Where do I go to close my loan?
You may close your loan at the branch of your choice.
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What do you do with my information?
Is it secure?
We put a high priority on safeguarding your information. Please refer to
our Privacy Statement for details.
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