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Help articles about

Loans

Loan overview and eligibility

Can anyone get a loan from a credit union?

Can I apply for a loan at any Mountain America location?

What documents do I need to get a loan?

What is risk-based lending?

How long does it take to get a loan approved after submitting an application?

How will I know if I need a co-signer for a loan?

What is the difference between a prequalification and a preapproval?

Applying for or managing loans by phone

Can I be preapproved for a loan over the phone?

Can I use a check to pay a loan over the phone, and is there a charge?

Loan types

What kind of loan can I apply for if I have no collateral?

Do you offer life, disability, or involuntary unemployment protection on any type of consumer loans?

Do you offer business loans?

Do you offer consolidation loans?

Does Mountain America offer student loans?

If I want to apply for an auto loan and another loan product, do I have to complete more than one application?

Interest and loan terms

How is interest calculated on a consumer loan?

How is interest calculated on cash advances?

Loan payments

Can I have my loan payment deducted from my paycheck?

Is there a grace period on cash advances?

Unique scenarios

I am moving out of the country. What do I do about my loans?

Can my teenager obtain a loan?

I'm considering filing bankruptcy, but I don't want to include my loan with Mountain America in the bankruptcy. What do I do?

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© 2025, all rights reserved. Mountain America Credit Union, P.O. Box 2331, Sandy, UT 84091, 1-800-748-4302. Unauthorized account access or use is not permitted and may constitute a crime punishable by law. Mountain America Federal Credit Union does business as Mountain America Credit Union. Membership required—based on eligibility. Loans on approved credit. ‡Annual Percentage Yield (APY). Annual Percentage Rate (APR).

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