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Consumer Loans

Taking out a loan is a big decision. Maybe you’ll use the money for something fun, like a flashy new car, or maybe you need to borrow for something very necessary, like a new well. In any case, here are some of the loan enhancements that our happiest members use.


M1's Pay.My.Loan debt protection offers members peace of mind for their consumer and home equity loans (as well as M1 Visa credit cards) in the case of unemployment, disability or loss of life. If claims are appoved, your Pay.My.Loan debt protection will do just that: pay your loan for a period of time so that you can be protected during unforeseen circumstances. The cost of Pay.My.Loan is very reasonable and is built right in to your loan payment

90 Day 1st Pay Delay

Imagine having to borrow money for a big purchase when your budget is temporarily in a tight squeeze. Ouch! Before your blood pressure reaches an all time high, take a deep breath and repeat after me: “90 Day 1st Pay Delay, 90 Day 1st Pay Delay.” Soothing, isn’t it?

Our 90 Day 1st Pay Delay option let’s you postpone your first payment for up to 90 days.

Skip A Payment

Ho, ho, ho, the holiday season is right around the corner, and the whole family is excitedly anticipating the arrival of something special under the tree, like a 42” LCD HDTV, a new computer, or maybe even an envelope full of airline tickets.

Santa and Mrs. Claus can keep right on smiling with our annual Skip A Payment program, with its timely offer to skip your December loan payment.

Guaranteed Auto Protection

No one really likes to think about it, but with a longer term loan, it’s possible your vehicle can be damaged beyond repair or stolen, and the settlement from your insurance company will not be sufficient to pay off your loan.

Our Guaranteed Auto Protection program comes to the rescue. It’s a single premium program that fills the gap.

Equal Housing Lender National Credit Union Administration