Are you experiencing financial hardship or having trouble making payments? We’re here to help.

Early Financial Assistance Services

Here's how we can work together

At Upward Credit Union, we know that life can present financial challenges—but the key to overcoming them is early and open communication. That’s why we offer our Early Financial Assistance Program, designed to help you take proactive steps toward stability before small issues become major setbacks.

  • Contact Us! – Communication is key to overcoming financial setbacks. If you anticipate difficulty repaying your loans, reach out to us via email, text, or phone to request guidance from a Member Relief Specialist.

  • Upward Financial Checkup: Schedule an appointment with our Financial Coach to assess your financial health, explore areas for improvement, and develop strategies for building healthier money habits.

  • BALANCE Credit Counseling: Schedule an appointment with a Financial Counselor to explore free financial guidance and services. BALANCE counselors offer one-on-one support to address debt management, improve credit, and provide workshops and tools to help you succeed. Gain clarity on your credit, create a plan for improvement, and take steps toward achieving financial independence.

Don’t wait— take proactive steps toward staying on track with your finances!

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Upward Financial Checkup

Consumer Loan & Mortgage Loan Assistance

At Upward, our priority is you—which means supporting you through life’s financial challenges. Whether it’s helping you stay in your home, keep your car, or maintain your credit, we’re dedicated to providing loan assistance programs tailored to help you navigate difficult times and regain stability. If you’re facing financial hardships, don’t wait to seek support. Contact us to explore your options and let us help you find the right solution.

Get Started

  • Contact Us via email or phone

  • Request, complete, and return a Loan Relief Package

  • Provide a letter explaining your current situation and hardship

  • Provide your last 2 months’ pay stubs or verification of any income

  • We may request additional information, if needed, to better evaluate your personal situation and provide the best possible solution.

Consumer Loan Solutions May Include

  • Establishing a repayment plan

  • Deferring one to two payments

  • Modifying the monthly payment

Mortgage Loan Solutions May Include

  • Repayment plan: The borrower agrees to repay the past due amount and current payments together over an extended timeframe, and catch up on the loan.

  • Recapitalization plan: The past due balance (principal and interest) is added to the current balance. This total amount is re-amortized and split into payments over the remaining original loan term.

  • Short sale: Sell your home when you owe more than its value to pay off a portion of your mortgage balance.

  • Loan modification: Any loan changes that make the loan more affordable, such as a lower interest rate or longer term date.