Lending FAQs

  • Can anyone get a loan from L&N FCU?

    Only members of L&N Federal Credit Union can apply for loans.

  • How do I apply for a loan?

    You can apply for a loan in several easy ways. You can apply online by clicking the link to Apply Now or you can fax an application to us at 502-361-2285. Or you can visit one of our branch locations or even mail an application to us.

  • How long does approval take?

    We make every attempt to make decisions on loan applications in a timely manner. Although the approval process can take anywhere from an hour to several hours, we strive to provide you with a decision as soon as we possibly can.

  • What items do I need to get a loan?

  • How do I qualify for a loan?

    We look at every application individually. We base our decisions on a member’s creditworthiness and their ability to repay the loan. However, each member situation is unique. That is why we offer many different loan programs for our members. We urge you to apply for the loan you are interested in and allow our Loan Professionals to determine which option is best for you.

  • How do I find the value of my vehicle?

  • I am looking to buy a new vehicle but I don’t know where to start. What do I do?

  • We are recently married and looking to purchase our first home. What do we do?

  • What is the current rate on auto loans?

  • How do I access my line-of-credit loan with L&N FCU?

    How you access your line-of-credit loan is determined by what type of line-of-credit you have. If you have a line-of-credit from our Home Equity program, you can access your funds by calling in and requesting an advance from one of our Real Estate professionals. Or you can visit one of our branch locations and request and advance in person. We even offer home equity checks so that you can just write a check for the amount you want to be advanced. If you have a line-of-credit from our Personal Loan program (excluding CashXpress), you must request an advance from one of our Loan Professionals via phone or by visiting one of our branches. CashXpress is designed for you to have access to your funds at all times via check or debit card.

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