New Vehicle Loan
Used Vehicle Loan
Credit Builder Short Term Loan
Share Secured Loan
Fresh Start Loan
Holiday Club Application
Payroll Deduction Direct Deposit Authorization (pdf)
Privacy Notice Disclosure
APPLICATIONS & FORMS
Here you can find our Applications and forms, please choose the application that best suits your needs and follow the instructions for application on the pages that follow.
We can help you rebuild your credit
|Repair your credit AND get the
cash you need
With our Fresh-Start Program, you can borrow up to your
credit limit AND add up to $2,000 to pay off other creditors
The higher your FICO score, the less you pay
Your credit score determines the credit that’s available to you, the terms
and the interest rates. The good news! - you can improve your credit
score by improving how you handle credit.
It’s a vital part of your credit health.
Not a member of the Credit Union?
MEMBERSHIP DRIVE now going on. All application fees WAIVED!
- The convenience of AUTOMATIC PAYROLL
DEDUCTION - save on postage!
- Pay off high-interest credit card debt - without transferring balances!
- CASH AVAILABLE - for those unexpected expenses!
- Receive an answer within 2 business days
- FAX your loan application to 973-643-8721 (FAX)
Essex County Employees Federal Credit Union
APR = Annual Percentage Rate. Rate is based on credit score and current situation. Rates may
vary and are subject to change without notice. All Credit
Union Loan Policy terms and conditions apply. Credit Union
Policy Booklets are available through the Credit Union
office. The Credit Union uses your FICO (Fair Isacc Co) score
to determine your loan interest rate. More information
about your FICO score can be obtained from the Consumer
Federation of America www.consumerfed.org.