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Apply for a Loan

You must be a Bay Atlantic FCU member to apply for a loan. Online applications must be submitted through Virtual Branch online banking using a web browser.* We do not accept applications through the Mobiliti mobile app or email. 

To ensure timely application processing, please make sure all your contact information is current and correct in Virtual Branch. You must also submit proof of income to Lending to complete application processing for all loan types. Additional documents may be required depending on loan type.

To review samples of accepted loan documents, click here.

Loan documents may be dropped off in person, emailed to our loan officers at loans@bayatlanticfcu.org or faxed to 856-691-5593. Once we have received all necessary documentation, you should expect to hear from a loan officer in two to three business days.

To start your online application, log into Virtual Branch online banking. 

Once logged in, select the “New Account” option, and select “Apply for a Loan” from the drop down menu.

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Confirm that you are applying with the correct member ID, and follow the steps given in the online application.  If you are applying for a credit card, remember to list Credit Card as the loan purpose. When you've completed the application, you will receive a confirmation number. This is your indication the application was submitted successfully.

Once we have received all necessary documentation, you should expect to hear from a loan officer in two to three business days.

IMPORTANT INFORMATION ON LOANS

  • A personal loan is an unsecured loan. 

  • A vehicle or recreational loan is a secured loan.

  • A share pledge/certificate loan is a secured loan.

Click here to log into Virtual Branch.

Click here to download a printable loan application.

*Home equity loan applications are only available in person.
Please contact our Loan Center at 856-696-2525 ext 6011 for more information.

Click here to download a printable credit card application.

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