Apply for a Loan
Get the financing you need quickly and securely. Apply online for a home, auto, or personal loan, or even a credit card, all in one place. Apply Now!Home Loan
Lock in a great rate and choose a mortgage term that fits your life.
Auto Loan
Enjoy competitive rates, no application fees, and fast pre-approvals.
Credit Card
Boost your purchasing power with a VISA® credit card packed with great benefits.
Personal Loan
Get the funds you need with a low rate and no application fees.
Helpful Tips For Our Application
- If you don’t know your member number, or you don’t have a member number yet, just enter “000000”
- If you don’t know the answer to a “required” question, it’s okay to estimate the answer or write “n/a”
What Happens After You Apply
If you live in Bradley, McMinn, Meigs, Monroe, or Polk County, you can apply for a loan with us! Many of our loans require no down payment, and there’s no fee to apply.
After you submit your application, a real, local loan officer will review it. In some cases, Auto Loans and Personal Loans may even receive immediate pre-approval.
Click the button below to start your secure online loan application and get the financing you need
★★★★★
“I have been with Bowater since 2019…they are my go to for auto loans! I just bought a new vehicle and have to shout out to Tucker Jones! Communication couldn’t have been better and I literally got my loan and vehicle handled in one day without any issue. Highly recommend”
– Kayla C., Cleveland, TN
Loan Application FAQs
Who is eligible to apply for a loan at Bowater Credit Union?
To take advantage of our flexible financing and low rates, you need to be a member of our credit union. But don’t worry, joining is easy! There are four ways to become a member:
- Live, work, worship, or attend school in our 5-county community: Bradley, McMinn, Meigs, Monroe, or Polk County.
- Be a family member of a current member. Family includes: parent, spouse, spouse’s parent, child, stepchild, grandparent, spouse’s grandparent, grandchild, brother, sister, brother- or sister-in-law, stepsibling, aunt, uncle, niece, or nephew.
- Work for one of our Partner Companies. Employees can join and enjoy competitive rates, low fees, and personalized service.
- Bowater Good Fellows members. This local 501(c)(3) nonprofit is eligible for membership—we’ll pay your contribution, and then you’re in!
What types of loans can I apply for online?
You can apply online for a variety of loans, including home loans, auto loans, personal loans, secured loans, home equity lines of credit, and credit cards. Our secure online application makes it easy to start the process from anywhere.
Is there a fee to apply?
No, there’s no cost to submit your loan application, so you can explore your loan options without any upfront fees.
Is it safe to apply for a loan online?
At Bowater Credit Union, it is! Our online application is fully secure and encrypted, keeping your personal and financial information protected. You can apply with confidence, knowing our team follows strict privacy and security standards every step of the way.