We have special loan programs just for our members who are 16 through 22. They’re designed with low interest rates to help you buy the things you need with low payments that fit your budget. (Not a member? Click here and fill out our membership application.)

BUT HOW CAN YOU GET A LOAN IF YOU DON’T HAVE ANY CREDIT?
Some financial institutions won’t give you a loan unless you have a good credit rating. But how can you get a credit rating if you’ve never had a loan? At Linn Area Credit Union we understand how it is – and we want to help you get off to a successful start with your finances. That’s why we’ll do everything we can to help you buy what you need at low rates that can keep your payments as low as possible.

FREE INFO + FREE STUFF = $$$$$$$
We want to help you have a great financial future. So we’ve provided some good tips on using loans to establish a good credit rating. It’s a fact - you’ll save thousands of dollars in interest over your lifetime if you have a good credit rating – and you’ll have a better credit rating if you read and follow these tips.

UP FOR A BRIBE????
We’re prepared to bribe you to read the online tips. If you read the info about building good credit and take the easy little online Quizlet, we’ll give you a free CD holder for your car visor when you get your first car loan.


READY FOR YOUR FIRST LOAN?
Want to buy a car? You’ve come to the right place! You can apply for a car loan (or any other type of loan) online. If you are 17 or under, you’ll need to have a parent or guardian co-sign with you. Sorry -- it’s just one of those legal things. But if you are 18 or older, you can apply for a loan by yourself.

WHAT DO I NEED TO DO?
Just answer the questions on the online application– name, address, where you work, how much money you make – stuff like that. We’ll help you figure out how much your loan payments would be and decide if you can afford to make the payments. If you’d feel more comfortable, call one of our financial counselors at 378-0101 x 2, explain what you’d like to buy and they’ll talk you through it over the phone before you apply. Or go ahead and stop in sometime!

LET US HELP YOU GET OFF TO A GOOD START!
You can trust your credit union to help you plug in to a great loan and some great advice!