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Loan Dept. / Credit Card Frequently Asked Questions

Loan Dept.

How can I apply for a loan?
How long does it take to process a loan application?
How can I get an application?
What does the Credit Union take into consideration when evaluating a loan application?
What interest rates do you charge for your loans?
I have not received my loan coupons, what should I do?
How can I get the payoff amount of my loan?
I received a letter asking for proof of insurance, what should I do?
I have already submitted proof of insurance and continue to receive letters requesting this information. In addition, I have not received my refund?
Force placed insurance was added to my loan and my payment was increased – how do I resolve this?

Credit Card:

Do you take Credit Card payments over the phone or in at the Credit Union branches?
Can I make my Credit Card payment on-line?
How can I apply for a credit card?
How do I dispute fraudulent charges on my account?
How do I dispute an error on my account?
My Credit Card was lost/stolen, what do I do?

How can I apply for a loan?
Members with online banking access can submit an application online. Nonmembers can print an application and submit via fax, mail or in person at one of our locations.
Click here for loan application ($25.00 loan processing fee – refunded upon approval)

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How long does it take to process a loan application?
There is a 24-hour turn around time from the time we receive the application.

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How can I get an application?
You can print an application and submit via fax, mail or in person at one of our locations.
Click here for loan application ($25.00 loan processing fee – refunded upon approval)

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What does the Credit Union take into consideration when evaluating a loan application?
The two most important considerations when evaluating a loan application is the applicants’ credit history and the ability to repay loan based on income and current debt.
Click here for a loan application ($25.00 loan processing fee – refunded upon approval)

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What interest rates do you charge for your loans?
The interest rate depends on the type of loan, term and applicant(s) beacon (credit) score.
Click here for rates ($25.00 loan processing fee – refunded upon approval)

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I have not received my loan coupons, what should I do?
All the information you need to make a payment is in the contract. Payments can be made in person or mailed to any of our branch locations. Be sure to note your account number and loan number on the payment. In addition, contact our call center or e-mail us and a representative will confirm your mailing address and advise the loan department that new coupons need to be ordered. loans@pcufla.org

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How can I get the payoff amount of my loan?
Members can simply e-mail, call or stop by our offices and speak to a representative at the Credit Union. contactus@pcufla.org

Anyone other than the member that needs payoff information must make that request in writing. The member’s permission must be obtained in order to release this information with the exception of auto dealers that can provide proper member identification information.

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I received a letter asking for proof of insurance, what should I do?
Please call our insurance tracking company, Allied Solutions at 800-653-8812 or visit at myinsuranceinfo. You will be asked to mail or fax the proof of insurance to their offices. Your insurance agent can do this for you.

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I have already submitted proof of insurance and continue to receive letters requesting this information. In addition, I have not received my refund?
Please contact Allied Solutions at 800-653-8812. They will explain what information is needed in order to resolve the situation.

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Force placed insurance was added to my loan and my payment was increased – how do I resolve this?
Please call our insurance tracking company, Allied Solutions at 800-653-8812 and provide them with the information they request. When they receive proper proof of insurance they will submit a credit to your credit union account and your payments will be readjusted.

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Credit Card:

Do you take Credit Card payments over the phone or in at the Credit Union branches?
No, payments must be mailed to the Tampa payment center. For payment information and address please call 1-800-237-6211. Or log-on to our website and go to the Credit Card link.

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Can I make my Credit Card payment on-line?
Simply click on the Credit Card link located on our website.

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How can I apply for a credit card?
Print and complete an application and submit it via fax, mail or in-person.
Click here for a credit card application ($25.00 loan processing fee - refunded upon approval)

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How do I dispute fraudulent charges on my account?
Contact the fraud department at Card Services: 1-800-453-4270.

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How do I dispute an error on my account?
Contact the Customer Service Dept. they will determine if the disputed charges are the result of fraud or error and will provide you with further instructions to resolve your claim.

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My Credit Card was lost/stolen, what do I do?
Please report this to Credit Card Services at 1-800-453-4270.

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(305) 893-4880
Miami-Dade
(954) 704-4100
Broward
(800) 243-1077
Toll-Free
(Outside Miami-Dade & Broward)
NCUA, National Credit Union Administration, a U.S.Government Agency - Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, A U.S. Government Agency
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