We’re happy you’ve selected Charter Oak Federal Credit Union for the financing needs and we’re dedicated to making your member experience an one that is easy our convenient online loan applications below!

A variety is offered by us of customer loans to meet up with your preferences. Apply Today!

  • Automobile: New or utilized cars. Our rates that are low versatile terms assist your money get further.
  • Visa: Our Platinum Visa Cards offer big advantages like great price choices, no annual charge, and Scorecard Rewards points.
  • Individual (unsecured): we now have funding readily available for debt consolidating, furniture, getaways as well as other purposes that are personal.
  • Readi-Cash Too: This personal type of credit provides ongoing borrowing energy and peace of mind, with quick access to money any moment, anywhere.

For guaranteed loans that are personal please call our Contact Center at 860.446.8085 or 800.962.3237.


We now provide DocuSign! No need to bring the documents into a branch sign your applications in the comfort of your own home. It’s fast. It’s convenient. It’s another good reason people Bank Better at Charter Oak!


The Charter Oak customer Lending portal now provides you with a simple and way that is convenient use on the web for a financial loan!

First-Time Users:

You’ll be directed to your loan-specific application. While you begin to start the application with information that is personal along with your legitimate current email address, you will notice a message that directs one to develop a profile by picking a password. Producing you are allowed by a profile to trace the status of a software along with upload loan papers (also called stipulations).

Please be certain to correctly enter your current email address when you look at the profile creation through the application procedure; otherwise the procedure may be delayed. Take note that student education loans aren’t sent applications for through the Charter Oak customer Lending portal. They could be discovered right right here.

Click in your plumped for loan type below to begin with: TAKE NOTE: IF YOU’VE ALREADY REQUESTED THAT LOAN, LOGIN BELOW.

Coming Back Users:

Many thanks for your trust that is continued in! since you have created a profile, you can easily sign appropriate in, select the loan-specific application through the four alternatives from the website landing page and your information that is personal will pre-load for you personally. Finish the remainder application and you’ll be hearing from us quickly!

Click below to login to test loan status, upload needed documents (stipulations) or submit an application for a loan that is new


Once you have submitted your application:

  • You will get a message from Charter Oak confirming we now have gotten your application.
  • If you have any information that is missing we are in contact asking because of it.
  • If you can find stipulations attached with the job, we are going to e-mail you with that given information and just just just what it indicates.

Exactly what are stipulations/required papers?

Stipulations are demands that must definitely be pleased ahead of the loan may be released. Examples are:

  • Proof of earnings
  • Car Insurance Binder

How can I submit stipulations/required documents?

  • Login to user profile
  • Select Application
  • Accept loan offer
  • Include files (choose file(s) to upload)
  • Submit

Stipulations can certainly be faxed to 860.437.2360 ATTENTION: Consumer Loan Dept.

Approved, Denied, Counter-Offer, exactly just just how can I understand?

  • We shall give you a message using the choice in your loan demand. If, whenever you want, you have got concerns or require further clarification, please contact our Consumer Lending Department at 860.446.3304 or 800.962.3237 x3304.
  • In case your application was denied, you certainly will get a contact with this choice and you will be mailed a Notice of Adverse Action that will give an explanation for reason(s) when it comes to choice.


In the event your loan was authorized plus the necessary documents has been finalized as well as on file, your loan will soon be funded with regards to the kind. Please see below:

Car finance: Your car finance shall be funded in the shape of a check made payable towards the dealership.

Visa: you shall get your VISA charge card in 10 business times.

Private: Your loan will be funded being a deposit into your Charter Oak Account.

Readi-Cash Too: this specific loan will simply be funded while you activate it. You might achieve this by phone, payday loans Cheshire online, at an ATM or just by composing a check.