We’ve Made Borrowing Easier Than Ever
Pre-Approved Loan Offers
Borrow Smarter at Your Neighborhood Credit Union
Take Advantage of Your Pre-Approved Loan Offers
RadiFi Credit Union regularly reviews member accounts to identify personalized loan offers you may already qualify for. These pre-approved offers are one of the easiest ways to save time, simplify borrowing, and get the financing you need, without the hassle of a full application.
If you’ve received a message or email saying you’re pre-approved, here’s what it means and how to make the most of it.
What Does “Pre-Approved” Mean?
When you’re pre-approved, RadiFi has already reviewed key aspects of your membership and credit profile to determine that you qualify for specific loan products, such as an auto loan, personal loan, or credit card.
This means your loan is essentially waiting for you to claim it!
Unlike traditional applications, pre-approved offers:
✓ Don’t require you to fill out lengthy forms.
✓ Don’t affect your credit score when you simply view your offers.
✓ Give you upfront details like your approved loan amount, interest rate, and sample monthly payment.
✓ Are no-obligation: you can view or ignore them without impacting your credit or membership.
The Benefits of Pre-Approved Offers
1. It’s Fast and Convenient
You don’t have to start from scratch. Your pre-approval means RadiFi already has the information needed to get you started, so you can move forward in minutes, not hours.
2. You Know Exactly What to Expect
You can compare payment options, loan terms, and interest rates before you decide to move forward. No surprises, no waiting.
3. No Obligation – Just Opportunity
Checking your offers doesn’t commit you to a loan. It’s simply a great way to see what’s available to you and how you can make the most of your membership.
4. Secure and Personalized
Your pre-approved offers are customized specifically for you based on your RadiFi relationship. Only you can view them through your secure digital banking account or our verified link.
How to Claim and View Your Offers
It’s easy to view your offers – and it only takes a few clicks.
Option 1: Log into Digital Banking
- Log in to your RadiFi Digital Banking account (online or through the mobile app).
- Select the Loan Offers option from the main menu.
- Review your personalized offers, see sample payments, and select the one you want to claim.
Option 2: Visit Our Loan Offers Page
- Go to www.radificu.org/loanoffers.
- Follow the simple steps on the screen to verify your information.
- Instantly view your available offers and choose the one that’s right for you.
It’s that easy. No lengthy application and no waiting for approval.
Ready to Make Your Move?
If you see an offer that fits your needs, all you have to do is click “Claim Offer.”
Because you’re already pre-approved, RadiFi’s team can finalize your loan quickly. Whether you’re ready to lower your car payment, consolidate debt, or take that next step in life, your loan is already waiting for you.
Make Waves with a Smarter Way to Borrow
At RadiFi, we’re always looking for ways to make banking easier, faster, and more rewarding for our members. Pre-approved loan offers are just one more way we help you reach your goals with confidence and convenience.
Local Support, Personal Services
From face-to-face conversations to fast online applications, RadiFi is here to help every step of the way.
All Your Burning Questions Answered
We’ve developed these FAQs to help guide you through the pre-approval loan process. We’re here to help. Please feel free to reach out to us if you need assistance or have any questions at 904-475-8000.
Being pre-approved means RadiFi has already reviewed your credit and account history to determine that you may qualify for certain loan products, such as an auto loan, personal loan, or credit card. You do not need to complete a full application to see your offer.
NOT ALL MEMBERS QUALIFY FOR PRE-APPROVAL OFFERS. Pre-approved loan offers are made available to qualifying members on the condition that you have a sufficient and verifiable source of income to meet the payment obligation, and you must meet certain financial terms, conditions, and creditworthiness. RadiFi Credit Union retains the right to perform financial reviews of members applying for credit and loans, including but limited to, requiring verification of information or obtaining a credit report. Other restrictions apply. Contact the credit union for complete details.
You can view your pre-approved offers in two simple ways:
- Log in to your RadiFi Digital Banking account and select Loan Offers from the menu.
- Visit www.radificu.org/loanoffers and follow the steps on screen.
You’ll instantly see any available offers along with your rate, amount, and sample payments.
No, simply viewing your pre-approved offers will not impact your credit score.
NOT ALL MEMBERS QUALIFY FOR PRE-APPROVAL OFFERS. Pre-approved loan offers are made available to qualifying members on the condition that you have a sufficient and verifiable source of income to meet the payment obligation, and you must meet certain financial terms, conditions, and creditworthiness. RadiFi Credit Union retains the right to perform financial reviews of members applying for credit and loans, including but limited to, requiring verification of information or obtaining a credit report. Other restrictions apply. Contact the credit union for complete details.
Not at all! Pre-approved offers are completely obligation-free. You can explore them anytime to see what’s available. There’s no commitment to borrow.
Once you claim your offer, most pre-approved loans can be finalized quickly. Since your approval is already in place, RadiFi can process your loan quickly and conveniently.
NOT ALL MEMBERS QUALIFY FOR PRE-APPROVAL OFFERS. Pre-approved loan offers are made available to qualifying members on the condition that you have a sufficient and verifiable source of income to meet the payment obligation, and you must meet certain financial terms, conditions, and creditworthiness. RadiFi Credit Union retains the right to perform financial reviews of members applying for credit and loans, including but limited to, requiring verification of information or obtaining a credit report. Other restrictions apply. Contact the credit union for complete details.
If you don’t have offers at the moment, don’t worry, RadiFi reviews member eligibility regularly. Continue using your account responsibly, and new offers may appear soon.
Yes. Viewing your offers through RadiFi Digital Banking or radificu.org/loanoffers is completely secure. Your information is protected with the same high level of encryption used across all RadiFi online services.
Yes! If you decide to accept an offer, you can finalize your loan online, quickly, safely, and without needing to visit a branch. Of course, you’re always welcome to stop by your local RadiFi branch if you’d like in-person help.
Our friendly team is here to help. You can call us at 904-475-8000, visit your local branch, or send a secure message through digital banking for assistance with any pre-approved loan offer questions.
Disclosures
NOT ALL MEMBERS QUALIFY FOR PRE-APPROVAL OFFERS. Pre-approved loan offers are made available to qualifying members on the condition that you have a sufficient and verifiable source of income to meet the payment obligation, and you must meet certain financial terms, conditions, and creditworthiness. RadiFi Credit Union retains the right to perform financial reviews of members applying for credit and loans, including but limited to, requiring verification of information or obtaining a credit report. Other restrictions apply. Contact the credit union for complete details.