What do I need for my application?
Proof of income
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Employment details
- Your current employer's details (name, address and phone number)
- If you have not been in your current job for three years, the details of your previous employment
Identity
Proof of identity is not required to apply for the loan, however you will be required to supply suitable identification at a later date as listed below.
- If you are an existing member of Orange Credit Union, your membership number
- If you have not been living at your current address for at least two years, the details of your previous address
Note: if you are not already a member of Orange Credit Union you will also need to produce suitable identification before contracts are signed.
Assets
- Details of your assets including bank accounts, shares, life insurance, motor vehicles and personal effects
- We will require verification for certain assets, for example rates notice if you own a property or rent receipts if you have an investment property.
Commitments
- Details of your financial commitments (eg. payments made on other loans, mortgages, credit cards, etc). We will require recent statements.
Car Loan
If you are applying for a Car Loan you will also need to provide details (where available) of the vehicle you plan to purchase:
- Dealer's invoice
- Copy of current registration papers
- If a private sale, copy of current registration paper
- Proof of insurance cover
Home Loan
If you are applying for a Home Loan you will also need to provide details (where available) of the property you are purchasing:
- Details of location
- Type of property
- Purchase price
- Your monetary contribution
- Name of agent or private vendor
- Name of your solicitor
Consolidation Loan
If you are applying to consolidate your loans you will need to provide:
- Current statements of all existing loans and credit cards
- Obtain a payout figure from the lender
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Personalised service and a fair fee structure
Special Offers
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Home Loan Special Offer
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One convenient location
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I love that it is local and looks after local people and even though I have moved I do not want to let go of OCU as I feel it is a part of
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It is situated locally; all the staff are friendly and will always help you. Your money stays in town and is used to help someone who is a
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For the last 40 + years I have banked with the credit union and the big majority of all money loans that I have had, have been through the
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