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Understanding your Credit

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Your credit report contains information on where you live, how quickly you pay your bills, whether you’ve filed for bankruptcy and other personal financial information. Having a good credit report generally means it will be easier for you to get loans and lower interest rates, which of course, means smaller monthly payments.

Remember! Having poor credit or a “low” credit score doesn’t mean a great loan is out of the question. We are unique in that we set our own credit-granting standards based on the loan product you are seeking.

Our Loan Officers review each application on an individual basis and don’t look at every credit history the same way. We may look only at recent years to evaluate you for credit, and we may grant credit if your bill-paying history has improved.