Clearwater Credit Union

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The largest CDFI and second largest credit union in Montana, Clearwater is a values-based, member-owned financial co-operative headquartered in Missoula, MT.

Payday Alternative Loan - Clearwater CU

Need a little cash to tide you over between paychecks but don’t want to take out a high-cost, high-risk payday loan? Save yourself lots of money in fees and interest with a P.A.L., available in amounts of $200-$1,000.

Terms and Conditions

Apply in 5 minutes or less.

Please enter the six-digit code that was sent to your email address.

Check Your Email for a Private Verification Code.

Payday Alternative Loan

This information will help us qualify you for the best possible rate.

Tell us about the loan you are looking for.

Consumer Credit & ID Verification Federal law requires that we obtain, verify and record information that identifies each person who opens an account, including joint owners. Within this application, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents. Approval of your application may be delayed or denied pending further verification of your identity.

Consumer Reports By submitting this application, you authorize Clearwater Credit Union to obtain your consumer and/or credit report for the purposes of evaluating this application, to obtain ongoing credit reports in connection with this transaction, and for all other legitimate purposes allowed by law, including account reviews and account collections. You also authorize Clearwater Credit Union to receive and review employment, income, third-party, consumer reporting agency, and other information about you to evaluate your application. You understand and acknowledge that Clearwater Credit Union may also obtain a credit report to pre-qualify you for other Clearwater products and services, and you authorize Clearwater to use this information to confirm your identity and to evaluate your eligibility for membership or other Clearwater products and services. You understand these reports may be used in decisions to deny applications for credit, account applications, close accounts, and/or restrict accounts or services.

By checking this box you agree to our <a href="https://clearwatercreditunion.org/privacy-security-policy/" target="_blank">Privacy Policy</a>.

What's your legal name as it appears on your passport or other government-issued ID?

Let’s start with your name.

Phone Number

We’ll text you important information about your application. Your phone number will never be shared. Standard text messaging rates apply.

Let’s stay in touch.

Please check the box if you have an alternate mailing address.

We use this information to verify your identity, as required by law.

Street Address

Apartment Number (Optional)

City

State

Zip Code

What’s your home address?

What’s your mailing address?

This information is protected by 256-bit SSL Encryption, and is required by the federal government to verify your identity and to provide interest income reporting. Your information is always kept private and will never be shared.

Let’s verify your identity.

Verifying your ID now helps expedite opening your account. This process can be securely completed with a webcam-equipped mobile device and only takes a few minutes.

You will need one of the following ID documents:<ul><li>Driver’s license</li><li>State ID</li><li>U.S. Passport</li></ul> Your ID’s information must match what has been provided in the application.

If you encounter problems with this system or would prefer to validate your ID later, please return to the previous step.

We use income data solely to verify your eligibility for our highly competitive loan products. This information will be stored securely and will never be shared with anyone else.

Let’s document your income next.

Do you earn any extra income?

This helps us find a loan that accounts for other monthly expenses.

What is your current living arrangement?

If you have their information available, we can quickly add a joint applicant to your application.

Would you like to add a joint applicant?

We have just a few questions about your joint applicant so we can add them to your application.

Let’s collect information about your joint applicant.

Let us know how we can get in touch with your joint applicant in case we need to.

What is your joint applicant’s contact information?

Please check the box if they have an alternate mailing address.

We use this information to verify your joint applicant is who you say they are. This information is always kept private, will never be shared, and is protected by 256-bit SSL Encryption.

What’s their home address?

What’s their mailing address?

This information is protected by 256-bit SSL Encryption, and is required by the federal government to verify your joint applicant’s identity and to provide interest income reporting. This information is always kept private and will never be shared.

Let’s verify your joint applicant’s identity.

Let’s document their income next.

Do they earn any extra income?

What is their current living arrangement?

By clicking the "SUBMIT APPLICATION" button, you acknowledge that this application is submitted to obtain credit and I (we) certify that all information herein is true and complete. I (We) also, authorize the credit union to verify or obtain further information the credit union may deem necessary concerning my (our) credit standing.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means to you: When you open an account, we ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. Under penalties of perjury, I certify that: 1) The number shown on this form is my correct taxpayer identification number (or I am waiting for a number to be issued) 2) I am not subject to backup withholding because: (a) I am exempt from backup withholding, or (b) I have not been notified by the Internal Revenue Service (IRS) that I am subject to backup withholding as a result of a failure to report all interest or dividends, or (c) the IRS has notified me that I am no longer subject to backup withholding 3) I am a U.S. person (including a U.S. resident alien).

We’re about done. Does everything look right?

Thanks for giving us the opportunity to partner with you in your financial goals. We look forward to serving you! If you have any questions or concerns, please feel free to contact us at 406-523-3300.