Our job at HCA is to help you get the loan you need to help with your family’s personal finances, to start or grow a business, or improve your housing situation. Our help begins when you fill out and complete an inquiry form and a loan application. HCA will help you submit a complete loan package, answer questions, and check your paperwork.
Step 1
Fill out our online Inquiry Form or stop by our office on Main Street, Space KC-53 in Keams Canyon to have access to a computer to fill out the form. You may call us at (928) 738-2205 or (800) 516-9091 or email fyaiva@hopicredit.us, josie@hopicredit.us or lisa@hopicredit.us to learn about our loan products.
Step 2
After you fill out the Inquiry Form, we will send you the proper link to the email address provided. Gather required documents for the type of loan product you wish to apply for. Complete the online application, providing proof of Hopi enrollment and any other documents that are needed to process your loan.
Step 3
The Loan Processor will call you if any other information is needed, such as proof of employment, a business plan, proof of property ownership or any other documents, depending upon the type of loan you are applying for.
Step 4
Allow time for HCA to process your loan, which may take 2 to 3 days depending on the number of applications received. Please keep in mind that the wait time may be longer during our loan specials. Loan requests $5,000 or less do not have to be reviewed by the HCA Board of Directors. Loan requests over $5,000 is reviewed by the HCA Board of Directors at the monthly meeting. A decision will not be determined until the loan application packet is reviewed.
Step 5
The “loan closing” is an important and nearly final step to secure a loan. The closing is also your opportunity to fully understand and review the terms and conditions of the loan with an HCA loan officer before committing to the loan terms. During a loan closing, you and any other co-signers/applicants must be present to sign loan papers. After the closing paperwork is finalized, the monies will then be processed for payment to you.
Step 6
Throughout the life of your loan with HCA, remember to keep HCA staff informed about any changes that might affect your participation with and/or obligations to HCA services. You should communicate any changes to your address, employment and employee deductions, or other situations that may impact your ability to meet your payment schedule.