You must be a member of the NCCU for three (3) months before you can qualify for a loan above your savings.
Your minimum savings must be at least 10% of the amount you wish to borrow, with the exception of loans for vehicles, vacation and travel which require 20% or higher.
You should be gainfully employed and be able to provide evidence of a regular source of income.
You must be able to provide adequate security such as Certificate of Title, Bill of Sale, Life Insurance Policy, Investment Certificates, Co-maker, etc.