'My Offers' Always-On Pre-Approved Loans & Applications
My Offers is a place in the LAFCU mobile app & online banking where you can view and redeem pre-approved loans or apply for one, when you want it, 24/7/365. Instead of waiting to get mailed a notification, your updated offers are now always available so you can choose one when you are ready.
My Offers lets you know your personal buying power at a glance and gives you access to easy loan activation through a streamlined process.
Three Easy Ways to Get a Loan
1) Use our Mobile app or Desktop Online Banking:
From Mobile, tap “Menu” then “My Offers,” OR from desktop, click “My Offers” on the top purple menu bar. It’s easy to sign up for our Apple or Google mobile apps, or sign up for desktop banking.
2) Or, visit a LAFCU branch
3) Or, call (877) 695-2328
Accepting a Pre-Approval
• In “My Offers” in mobile or desktop, accept one loan you want by entering an amount up to the maximum displayed, click “Continue,” then follow the instructions.
• For a loan or credit line higher than the amount you were pre-approved, enter it in “Amount Requested” (vehicle or personal loan), or in "Requested Credit Limit" (credit cards), click "Continue," then your application will be reviewed.
• If you want more than one offer, you can easily and quickly apply in My Offers after you have finished the process to accept your first offer.
- Vehicle Purchase (new or used)
- Vehicle Refinance
- Personal Unsecured Loan
- Visa® Platinum Credit Card
- Visa Signature Rewards Platinum Credit Card
- You could be pre-approved or see invitations to apply for either a vehicle loan, personal unsecured loan, or a Visa credit card.
- If you are pre-approved, it’s considered a “soft” promotional inquiry and does not impact your credit.
- Based on your qualifications, you could also see other services with links like Free Checking &/or LAFCU Investment Services.
- From the loans for which you’re pre-approved, you can accept one now, request higher limits than your pre-approved amount, or apply for other loans later.
- If you are pre-approved for a loan, you can accept the offer for the specific loan amount, or apply for higher limits than your pre-approved amount, or apply for other loans.
- If you do not see pre-approvals or applications, you will see links to access loan applications.
- If you are pre-approved, “reminder” letters will be sent to you via US Mail & email.
- When you call us or visit a branch, we can look up the loans & services for which you’re pre-approved then help you redeem them, and apply for others.
- The offers could change every 90 days, based on your credit score & other factors, and not everyone will see pre-approved loans.
- Relationship Rewards discounts can be applied to qualified vehicle loans.
Remember to visit My Offers in our mobile app or online banking any time you are ready for a loan. This is another way LAFCU is becoming more ‘’mobile first,” to make accessing our products & services more convenient and enhancing your member experience.