One of the best benefits you’ll enjoy as a Qside member is our comprehensive list of loan products.
Whatever it is that you need to finance, we have a variety of lending solutions with our highly competitive rates. We also offer pre-approval and refinancing for most loans. And, we’ve designed convenient systems for paying off your loan with options including Payroll Deduction, account transfers as well as online banking or mail payments. Plus, when you pay off your loan* using Payroll Deduction you can receive a 0.50% APR discount**, as well as more options for payment scheduling and the potential for additional savings. Choose from Qside’s Loan Products:
*Excludes Overdraft Protection, holiday, vacation and real estate loans as well as stock, share and certificate secured loans. **If Payroll Deduction is discontinued, your APR will increase by 0.50%.
We've just lowered our Auto Loan Rates! Whether you're buying a new or used car or looking to pay off another lender, we've lowered our Auto Loan rates so you can get teh financing you deserve.
Car Insurance Requirements Members are required to maintain Comprehensive and Collision insurance coverage on their car for the duration of their Qside car loan term. To ensure that car collateral is protected, Qside monitors its Auto Loans for proper coverage. Requirements for your insurance policy:
Guaranteed Asset Protection (GAP) Qside’s GAP coverage protects members against potentially high-cost, out-of-pocket expenses in the event that their car is stolen, accidentally damaged beyond repair or otherwise declared a total loss. Under these conditions, GAP pays the difference between the amount of your Qside car loan and the insurance company’s estimated cash value of the vehicle at the time of the event. Qside offers GAP coverage at costs that are usually significantly lower than GAP coverage offered by auto dealerships. Talk to your loan representative about how much you could save if you opt to purchase this valuable coverage from Qside.
*APR = Annual Percentage Rate. Receive a 0.50% APR discount when you pay off your car loan using Payroll Deduction. Ask us about payment scheduling and the potential for additional savings and discounts. If Payroll Deduction is discontinued, your APR will increase by 0.50%. The lowest APR that Qside will grant is 2.0% APR, including any payroll deduction discounts.
Qside FCU Mortgages are underwritten by CU Members Mortgage, a division of Colonial Savings (CUMCS), in accordance with FNMA and FHLMC guidelines. Partnering with CUMCS allows Qside FCU to offer members a wide variety of mortgage products and competitive rates without sacrificing the personal service that you're accustomed to.
*This secure site is governed by CU Members Mortgage’s online privacy practices and policies and Qside is not responsible for the site's performance or content.
Whether you need funds for home improvement, taxes, medical expenses, college, a wedding, or debt consolidation, you can pay for it with a Qside Home Equity Loan or HELOC (Home Equity Line of Credit). Equi-Fixsm Home Equity Loans Get all the money you need at once and lock in low fixed-rates at the same time.
Equi-Flexsm HELOC With this revolving line of credit, you can borrow a little or borrow a lot – as often as you want.
New or used, Qside can help you purchase the boat, motorcycle or RV of your dreams. We can also refinance your current loan with a new lower rate. Features:
Vehicle Insurance Requirements Members are required to maintain Comprehensive and Collision Insurance Coverage on their vehicle for the duration of their Qside loan term. To ensure that vehicle collateral is protected, Qside monitors its Boat, Motorcycle or RV Loans for proper coverage. Requirements for your insurance policy:
Guaranteed Asset Protection (GAP) Qside’s GAP coverage protects members against potentially high-cost, out-of-pocket expenses in the event that their vehicle is stolen, accidentally damaged beyond repair or otherwise declared a total loss. Under these conditions, GAP pays the difference between the amount of your Qside loan and the insurance company’s estimated cash value of the vehicle at the time of the event. Qside offers GAP coverage at costs that are usually significantly lower than GAP coverage offered by auto dealerships. Talk to your loan representative about how much you could save if you opt to purchase this valuable coverage from Qside. *If Payroll Deduction is discontinued, your APR will increase by 0.50%
A Qside Signature Loan is a low-rate borrowing solution for any need. If you need money for debt consolidation, school, unexpected expenses, or a computer – whatever it may be – a Qside Signature Loan can help you. Features:
*If Payroll Deduction is discontinued, your APR will increase by 0.50%
Qside Secured Loans use the funds in your Savings or CD account as collateral. You can also use ConEd common stocks as collateral to take out a Qside Secured Loan. Features:
*Stock Secured Loans of less than $15,000 have a maximum repayment term of 36 months
Qside offers two seasonal loan specials to help members plan ahead for holiday spending and summer vacations. With our Holiday and Vacation loan specials, members can have peace of mind, knowing they can apply for a new loan during these heavy-spending seasons. Holiday Loans
Are you financially equipped for the holiday season? Whether your holidays involve gift shopping, holiday parties or a winter trip, turn to Qside’s Holiday Loan to pay for it all.
Vacation Loans If you’re planning a trip and need some extra money, make Qside your first stop. Take out a loan before the trip and you’ll know how much you have to spend and how you’re going to pay for it when you get home.
An Overdraft Protection line of credit is a convenient service that works as a revolving line of credit to pay for checking account transactions when your checking account holds insufficient funds. With an Overdraft Protection line of credit, you never have to worry about a bounced check or other checking account clearances. Features:
Is your family financially prepared to pay off your loan if your income were eliminated or reduced due to an unfortunate event such as a disabling injury, illness or unexpected death? Protect your family’s financial future by taking advantage of Credit Life and Disability Insurance. This affordable coverage protects your family, credit history and collateral in the event of sickness or death, preventing your loved ones from inheriting unexpected debt. Features:
This insurance product is offered through MEMBER'S CHOICE® Credit Life and Credit Disability Insurance, underwritten by CUNA Mutual Insurance Society. *Read the Credit Insurance Application and Certificate of Insurance for exact terms, conditions and exclusions of the policy. Eligibility requirements including age maximums, working requirements and health questions may apply. Benefits may be subject to a waiting period. The policy may include maximum coverage or benefit amounts and/or durations. Exclusions for pre-existing conditions, normal pregnancy, intentional injury, air travel and/or atomic explosions may apply.
