Support Topics
Loans
FAQs related to our home, auto, bicycle, and more.
Popular Questions
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That’s easy. Purchase your vehicle through our CUDL program, where more than 175 local dealerships can approve your loan for Unitus financing right on the spot! Simply tell your salesman that you’re a Unitus member and they can handle the rest.
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Unitus is the lien holder on your vehicle. In the event your vehicle is totaled or stolen, the insurance company will need to send the claim check directly to Unitus to be applied against your loan balance.
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Do not use online loan payment service to pay off your loan, this can cause a shortage and may cause a delay in the release of your title.
Note: Please contact Loan Services at 503-423-8399 for loan payoff instructions.
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Your title can be released within five (5) business day if your payoff is made via payroll deduction, a cashier’s check or transfer from available funds. Otherwise, the title to your vehicle will be released in about ten (10) business days.
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You can cancel a scheduled recurring or automatic payment by accessing the “Manage Payment” Screen within this service and clicking on the “Cancel Scheduled Payment” option.
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For consumer loans (auto, personal, credit card, etc.), simply complete an online loan application or call us at 503.423.8770. For home loans, simply click here or call us at 503.423.8713 or 800.452.0900, ext. 8713.
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GAP Coverage helps you avoid the situation where your car is totaled or stolen, and your insurance coverage doesn’t cover the full cost.
In this situation, many insurance companies only pay the ‘Actual Cash Value’ of the vehicle. In most cases, this doesn’t equate to the loan balance, and you the borrower are left paying the difference.
To protect members from this unpleasant situation, we’ve partnered with Allied Solutions to offer an inexpensive solution. Called Guaranteed Asset Protection (GAP) Insurance, our GAP program waives the difference between your primary insurance company’s settlement and your Unitus auto loan balance. That helps you avoid delinquent payments and fees, refundable service warranty contracts and other insurance-related charges.
GAP is offered to members for a low one-time fee and is good for the life of your loan. If for any reason you are unsatisfied with this coverage, you can cancel the protection and receive a full refund any time during the first 60 days.
To support you financially, we offer several payment options. You can add the premium to your auto loan (which will increase the payment accordingly), write us a check, or transfer the full amount from your Unitus savings or checking account.
For a quick quote or to learn more about our program contact us at 503.423.8770.
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Under most circumstances, a consumer loan application can be approved online within sixty seconds and a first mortgage application in about 15-20 minutes. In some cases, a loan request may take a bit longer to review, but we usually return a decision within the next business .
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If you have a vehicle loan with Unitus, you are required to maintain full coverage insurance at all times, with a maximum deductible of $1,250.
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If you have a vehicle loan with Unitus, you are required to maintain full coverage insurance at all times, with a maximum deductible of $1,250. CPI, or Collateral Protection Insurance, is added by Unitus only if you are not able to provide this proof of insurance.
CPI is more costly than regular vehicle insurance, doesn’t cover your liability, and only protects the Credit Union’s interest in the vehicle. If you are billed for CPI, we strongly encourage you to obtain vehicle insurance and then contact the Credit Union.
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The standard late payment fee of 5% of payment due or $20, whichever is greater.
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When you access the service, simply click on “Set Up Auto-Pay” button to set up a recurring payment. In that service, you will have the option to link your other financial institution routing and account number to make a payment.
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When you access the service, simply click on the “Manage Auto-Pay” option to edit any of the automatic payment criteria such as frequency, payment amount, etc.
To update the account/routing number information for your automatic payment, under the “Manage Auto-Pay” option, Scroll to the bottom of the menu list and select ‘+ Add Another Payment Method’ to add the new account. When you add the new account, you will want to delete the old account information by clicking on the Profile tab, locate the pay from account and delete it from the list.
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Apply Today!
Credit Score
APR*
740+
6.99%
739 - 700
6.99%
699 - 660
6.99%
659 - 610
6.99%
609 - 560
6.99%
559 or below
6.99%
Available on new purchases only. Total purchase price, including accessories, cannot exceed 120% of the retail price of the bicycle.
*APR = Annual Percentage Rate. Rates are based on your credit history and credit qualifications.
Minimum loan amount is $250. Maximum loan repayment period is 36 months or 12 months per $1,000 borrowed. (For loans under $1,000 maximum loan repayment period is 1 month per $100 borrowed.)
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“Unite us” is at the very heart of the Unitus name and we’re committed to treating every member like family. For over 75 years, we’ve been providing exceptional, low cost services to our members.
When it comes to community partnerships, Unitus likes to think we have an unobstructed vision. A large part of that vision includes working with organizations that positively shape education and health and human services. Click here to view some of the organizations we’ve partnered with throughout the years.
It’s important our members know that one of Unitus’ core values is to give back to the communities we serve, both socially and economically. Unitus provides its employees with paid volunteer hours once per month with our branch community partners.
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Members must be less than 40 days delinquent to use the online loan payment service.
Note: If your loan is over 40 days delinquent, please reach out to Unitus’ Member Solutions team at 503-423-8710 or 1-800-452-0900 ext. 8710.
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The credit union has several programs for homebuyers with a limited amount of funds for both a closing payment and down payment. These programs are open to all homebuyers, not just first time owners. For more information, contact Unitus Mortgage.
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The maximum payment amount to use this service is $1,500. Any funds received in the excess of your loan payment will be applied to the principal balance of your loan.
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If you are having trouble with making your payment, please contact the Loan Services department at 503-423-8399.
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Apply for Unitus Membership online or at any Unitus branch.
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You will receive this error if you are attempting to log in after you have registered. Ensure the password/email combination you used to register is the same as the information you are entering when attempting to log back in.
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The loans you can make a payment on include auto loan, home equity, credit card, personal loans, personal lines of credit and certain business loans where the minimum payment is $1500.00 or less.
You cannot make a payment to your mortgage loan through this service. Please visit the mortgage portal within online banking to make a payment to your mortgage loan.
You cannot make a payment through this service on your student loans. Please visit our Student Lending Center where you can make a payment.
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Yes, Unitus encourages you to pay your loan off early.
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You do not have the ability to cancel or edit a payment through this online payment service.
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Yes, Unitus offers our members loans on new and used snowmobiles, ATVs and personal watercrafts. They are classified as Small Recreation Vehicle Loans which also include motorcycles, tent trailers, etc.
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Click the “Forgot your Password” link and follow the prompts to reset your password.
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Yes, you can set up a recurring payment on your loan using your routing and account (ACH) number from your other financial institution.
You must be registered for this service in order to set up a recurring or automatic payment. This will give you the control you need to manage your automatic payments. By registering for the online payment service, you will create a password and access the system more quickly with less information.
In order to register for the service, you will need your email address, your account number, the last 5 digits of your social security number, your date of birth and your zip code. All information entered must match the format listed on the page and must match the information that Unitus has on file for you. Your account number at Unitus can be located on your account/loan statement or you can contact us to obtain the account number.
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Please contact the Loan Services department at 503-423-8399 between 8:00 a.m.-4:30 p.m..
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Private mortgage insurance is a financial guarantee that protects the lender in the event a borrower defaults on a mortgage. To purchase a home without mortgage insurance, borrowers generally need enough money to make a down payment that’s at least 20% of the price of the home. To put 20% down on a $200,000 home, a borrower would need to come up with $40,000! This is quite a hefty down payment.
With private mortgage insurance, you’ll reduce or eliminate the need for accumulating a down payment, which will allow you to purchase that $200,000 home sooner!
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Unfortunately, we cannot access your credit score until you submit an application. If you know your credit score we can provide an estimated rate, then confirm it once you have submitted your application and we can access your score. The majority of our applicants receive the lowest quoted rate.
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Yes, you do. There is a $10 membership fee and you do have to keep $5 in your savings account at all times as this is your “ownership” or “share” in Unitus.
Your eligible to join if:
- You live or work in Multnomah, Washington, Clackamas, Marion, Polk, Yamhill, Columbia, Hood River, Benton, Linn, Lane, Deschutes, Douglas, Josephine, or Jackson County in the State of Oregon.
- You live, work*, worship, or go to school anywhere in the State of Washington.
- Someone in your immediate family is elgible for membership at Unitus or is already a member (e.g. spouse, parent, brother, sister, aunt, uncle, grandparent, or grandchild).
*Directors, retirees, volunteers, and natural persons under contract to work for organizations located anywhere in the State of Washington are also eligible to join.
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To make the payment, you will need your Unitus account number, the last 5 digits of your social security number and your date of birth. The account number can be located on your account/loan statement or you can contact us to obtain your account number. Please ensure that you’re entering the information as outlined on the website.
You will also need your debit card OR the account and routing number from the financial institution which you will be making the payment from.
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Making the payment using your Unitus account is simple and free. If you would like to make a payment using your Unitus account, please log in to uOnline by clicking the “Login to uOnline” button at the top of the page.
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The money that you borrow from Unitus for a bicycle loan stays within your own community. Your money is then borrowed by fellow Unitus members to further establish a healthy living community with opportunity to grow. It’s people helping people.
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Of course! However, Unitus cannot distribute funds until your Unitus account has been opened. To speed up the process, we recommend that you apply for membership before submitting a loan application.
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Unitus wants to help identify bicycling as a legitimate mode of transportation and supports the active and healthy lifestyle we share in the Pacific Northwest.
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You must be registered for this service in order to set up a recurring or automatic payment. This will give you the control you need to manage your automatic payments.
By registering for the online payment service, you will create a password and access the system more quickly with less information.
In order to register for the service, you will need your email address, your account number, the last 5 digits of your social security number, your date of birth and your zip code. All information entered must match the format listed on the page and must match the information that Unitus has on file for you.
Your account number at Unitus can be located on your account/loan statement or you can contact us to obtain the account number.
You will need the routing/account number from the financial institution of where you would like the payment to come from for the recurring or automatic payment.
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In most cases, your credit score determines your interest rate. If more than one applicant is making an application, we will use the higher of the two scores to give you the lower rate. (This does not apply to 1st Mortgage loans.)
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A Credit Union is a place where people with common interests, like where they live or work, come together to save and borrow their money.Credit Unions provide many of the same services that banks do, but there are a few things that make us different:
- We are “not for profit”. This simply means we’re not in business just to make money
- Money that we do make is returned to you in the form of better rates and services
- We’re owned by you—the member
- As much as possible, the money we make is spent and put back into the local community where you live
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If your credit score improves after you close your loan, at your request, we can modify the interest rate on your loan. Contact us for more information. (This does not apply to 1st Mortgage loans.)
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No. At this time, principal only payments are not available to be processed using the online loan payment service.
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The primary borrower and/or the joint borrower on the loan can make a payment through this service. If you are not a borrower on the loan, you will not be able to access this service.
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You do not need to register to make a one-time loan payment; you can use the Express Pay option to make a one-time payment if you are not registered. Simply click the “Express Pay” button to access this feature.
You must be registered for this service in order to set up a recurring or automatic payment. You can register for this service by clicking the “Register” button. You will need your account number at Unitus, the last 5 numbers of your social security number, your date of birth and your zip code.
By registering for the online payment service, you will create a password and access the system more quickly with less information than if you use the Express Pay Option.
In order to register for the service, you will need your email address, your account number, the last 5 digits of your social security number, your date of birth and your zip code. All information entered must match the format listed on the page and must match the information that Unitus has on file for you.
Your account number at Unitus can be located on your account/loan statement or you can contact us to obtain the account number.
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Yes, simply type the amount of the payment you wish to send instead of the regular monthly payment amount. Keep in mind that the maximum amount you can pay using this service is $1,500.00.
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Please ensure that you are the borrower or co-borrower on the loan. If you experience this error, please check that you are entering the correct information in the format outlined on the page.
This could mean that the identifying information you are entering, such as your zip code, is not what Unitus has on file for you. Please contact Unitus to update your contact information.
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Immediately.
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Self-employed members need loans too! Typically, we ask that self-employed borrowers have at least a two-year history in their current business. However, this can depend on many different factors, such as your credit worthiness. For more information, we recommend contacting one of our mortgage specialists directly at 503.471.3325 or 800.452.0900.
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All payments made through the online loan payment service will be applied as a regular payment to your loan account, according to the terms of your Loan Agreement with us. This includes extra funds received with the payment. If you are unsure how payments will be applied to your loan account, please contact our Loan Services department at 503-423-8399.
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Yes, your credit will be checked to qualify you for a bicycle loan.
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Loan term is based on the amount borrowed. Maximum loan term is 36 months.
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It may take 3-5 business days for the funds to be withdrawn out of your other financial institution.
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Sellers can contribute to closing costs on most of our loan programs.
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No, except our standard late payment fee of 5% of payment due or $20, whichever is greater.
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Please note: the payment will not display on your loan or within this service immediately. The method you used to make a payment (debit or account and routing number) will affect when the payment is applied to the loan.
If you use the debit card option to make the payment: Your payment will reflect on your loan after 6:05 p.m. PST the same day you made the payment. If you made the payment after 6:05 p.m. PST, your payment will display the following day.
If you use the account/routing number option to make the payment: If you made a payment before 6:00 p.m. PST on a business day, your payment will reflect on your loan after 6:05 p.m. PST. If you made a payment to your loan after 6:00 p.m. PST or on a non-business day, your loan payment will reflect on your loan after 6:05 PST on the next business day.
If you are logging back into this payment portal as soon as you made the payment, you will not see your payment reflected until the next business day.
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In general, monetary gifts can be used toward down payment. For more information, contact a first mortgage specialist directly at 503.471.3325 or 800.452.0900.
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Yes, the Unitus bicycle loan is for new and used bicycles.
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If you have questions related to the specific payment that you made, please contact the Loan Services department at 503-423-8399 between 8:00 a.m.-4:30 p.m. PST.
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- New and used bicycles
- 100% of total purchase price (including accessories)**
- Minimum: $250
- Maximum: $7500
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You can set up a recurring payment on a weekly, every two weeks or a monthly basis. You can choose any date in the future and at least 1 day before you would like the recurring payment to start. Keep in mind if you are scheduling the payment on a schedule that is not monthly, you will want to make sure the full payment amount is received by due date to avoid a late fee.
If you have questions around the payment frequency, please call the Loan Servicing department at 503-423-8399 for further assistance.
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No, there is no cost to you to schedule a recurring payment through this channel.
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This service is designed to work on variety of devices including your smart phone. The compatible browsers are Chrome, Internet Explorer (version 11.0 and above) or Firefox.
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Yes, you can set up a recurring payment on more than one loan. If you have multiple loans, each loan will need to be set up with its own recurring payment.
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Not at this time.
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Please ensure that you are the borrower or co-borrower on the loan. This may also mean that your loan payment cannot be made through this service because your minimum payment is greater than $1,500, your loan is paid off in full, your loan is set to be paid off within 2 months or if your loan is 40 or more days delinquent. Please contact the Loan Services department at 503-423-8399 if you would like to make a payment to a loan that is not displaying for you.
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Once you’ve entered your identifying information, the system will display your payment amount and your due date. Your payment amount is also located on your statement or on your loan coupons.
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Yes, the total purchase price can include the cost of the bicycle and accessories (not to exceed 120% of the retail price of the bicycle).
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Your payment will reflect on your loan after 6:05 p.m. PST on the day that you have the recurring payment scheduled for. Keep in mind that if you schedule a recurring payment on a non-business day, by default, that payment will be reflected on your loan the following business day after 6:05 p.m. PST. If you opted to process the payment before when scheduling the recurring payment and your payment falls on a non-business day, the payment will appear on your loan the previous business day after 6:05 p.m. PST.
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You can expect to see funds withdrawn out of your other financial institution within 3-5 days of the scheduled recurring payment.
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Yes, Members may make a partial payment on their Unitus loan using the online loan payment service.
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We will attempt to withdraw the funds out of your account once for the recurring or automatic payment. If you do not have the funds in your account, your payment will not post for that month and you will need to make a payment through a different channel. We will attempt to withdraw the funds the following month.
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You can schedule a recurring payment any day of the week, however, if the payment is scheduled for a non-business day, by default, the payment will process on a business day AFTER the scheduled date. You will be presented with the option to have the payment processed on the business day BEFORE the scheduled date if the scheduled date falls on a non-business day before you confirm the scheduled payment.
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Yes, joint borrower or primary borrower can both use this service to make a payment and can register for this service.
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Please check your spam or junk folders for the confirmation email. If you are using a work email through your employer, please ensure that the email was not blocked by your employer prior to reaching your inbox.
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You will receive this error if you are attempting to log in after you have registered. Ensure the password/email combination you used to register is the same as the information you are entering when attempting to log back in.
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If you experience this error, please check that you have the correct information entered in the format outlined on the page and please ensure that you are a borrower or co-borrower on the loan. This may also mean that your loan payment cannot be made through this service because your minimum payment is greater than $1500, your loan is paid off in full, your loan is set to be paid off within 2 months or if your loan is 30 or more days delinquent. Please contact the Loan Services department at 503-423-8399 if you would like to make a payment to a loan that is not displaying for you.
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There is a $10 convenience fee for online or automated phone payments.
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Yes, you can set up a recurring payment on your loan through this channel.
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A “Payment Confirmed” Screen will display for you once you’ve followed all the prompts and a confirmation email will be sent to you.
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