LoanXpress in 4 Steps

If your LoanXpress loan(s) are already pre-approved, you can skip the usual application process. Here's how it works.

1. View Your Offers

Mobile.To view your LoanXpress offers via our CAP COM app choose "More" at the bottom right corner of your screen.

Online. To view your LoanXpress offers, log in to your CAP COM account. Then, choose LoanXpress from the menu at the top of the page.

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2. Customize Them

View all of your LoanXpress offers on one screen. You can adjust the term and loan amount to see your estimated payment, too.

3. "Accept Offer" Button

When you click "Accept Offer" this signals you are interested in the loan. You can always review details and get answers to your questions before moving ahead.*

Note: Clicking "Accept Offer" may affect the status of your remaining LoanXpress offers.

4. eSign

Most loan documents can be signed via secure email, and the money can be deposited directly into your account.

 

FAQs

Although this is a loan preapproval prescreen program, the member’s credit report is not affected. No inquiries will show on your credit report.

Yes! You can apply online or using the “Apply For A Loan” feature in our mobile app. We will review your application and reach out to you.

Specific offers will eventually expire. Please make note of the Offer Expiration Date found on your original Offer Letter. However, CAP COM will refresh LoanXpress offers quarterly. So, if your offer does expire before you have a chance to take advantage of it, you may receive a new offer to take its place on the very next day.

Your loan must be completed and funded by the time your offer expires. If you are considering an offer it is recommended that you accept the offer at least 5 days prior to the expiration date.

You may opt out of prescreen offers at any time by calling toll-free (888) 567-8688. You can also give CAP COM a call and we can make a note on your account that you do not want to receive LoanXpress offers.

  1. When selecting pre-approved offers, you may select one secured loan product (vehicle, RV, boat or sportscraft loan) or one unsecured loan product (personal/debt consolidation loan or credit card) if available. If you select additional offers or borrow an amount that is greater than pre-approved, a new loan application will be required. These offers are made available to you on the condition that you have a sufficient source of income to meet the payment obligation and there has been no material change in your financial condition or creditworthiness. Broadview FCU retains the right to perform an additional review including, but not limited to, requiring verification of information or obtaining a consumer report to verify such information prior to loan disbursement. Taking advantage of one or more of the offers may affect your overall creditworthiness and the status of your remaining pre-approved offers. Offers valid for recipient noted on this certificate—this offer is not transferable. Credit Union membership is required for any loan disbursement. Rates are accurate as of 04/1/2024. Rates and terms are based on overall creditworthiness and are subject to change without notice. All selected offers must be finalized by May 24, 2024.

  2. PRODUCT SPECIFIC INFORMATION

    Vehicle Loan (New, Used or Refinanced)

    Commercial vehicles do not qualify. Rate available on new loans only and not on existing CAP COM loans. Representative monthly Auto Loan payment based on a five-year term at a 5.99% fixed Annual Percentage Rate is $19.33 per $1,000 borrowed. Ask about other terms and rates. The vehicle securing the loan must be titled and registered in New York if membership is less than 6 months. Contact CAP COM for full details.

    No payments for up to 90 days is available only for the first payment on qualified loans for vehicles 7-years-old or newer. Deferred payment loans will begin to accrue interest immediately upon loan disbursal and will be amortized over the monthly loan payments.

    Credit Card

    A minimum limit of $1,000 is required. Restrictions apply. Contact CAP COM for full details.

    RV or Boat Loan (New, Used or Refinanced)

    Rate available on new loans only for boats, farm vehicles, motorhomes, RVs, travel trailers, and truck campers. Existing Broadview loans do not qualify. Rates quoted do not pertain to sportscraft loans (including ATVs, Jet Skis, Snowmobiles, and UTVs). Ask about other terms and rates. All rates quoted are based on up to 80% loan-to-value.

    Broadview will finance up to 90% of the sticker price (before tag, title, and tax) for new purchases, and up to 90% of the J.D Power Retail Value for used purchases. The representative monthly RV/Boat Loan payment based on a ten-year term at a 8.49% fixed Annual Percentage Rate is $12.39 per $1,000 borrowed. Some restrictions apply. The vehicle securing the RV or boat loan must be titled and registered in New York if membership is less than 6 months. Contact Broadview for full details.

    Personal or Debt Consolidation Loan

    A minimum of $500 borrowed is required. The representative monthly payment based on a 5-year term Personal Loan at 9.99% Annual Percentage Rate is $21.24 per $1,000 borrowed. Restrictions apply. Contact CAP COM for full details.