Loan Term Limits
for individuals


These are examples of typical limits on HOPE loans. HOPE also underwrites loans based on the borrower's credit and so these limits may change. The list is not comprehensive:

The minimum loan size is $500.

Collateral Type Maximum Amount Maximum Term
Unsecured N/A $5,000 or 20% of gross income, whichever is less 24 months
Share or certificate secured N/A Amount of shares on deposit 60 months
Automobile New (first lien only) 100% of invoice price.
 60 months
Automobile Used (first lien only) 100% of NADA value. 60 months for current year model. Subtract 6 months for each year of age for older models up to maximum 5 year model age.
Motorcycle New (first lien only) 100% of invoice price.
 60 Months
Motorcycle Used (first lien only) 100% of Used Motorcycle Guide value.
 60 months for current year model. Subtract 6 months for each year of age for older models up to maximum 5 year model age.
Equal Housing Lender National Credit Union Administration
Your account is federally insured to at least $250,000 by the National Credit Union Share Insurance Fund (NCUSIF), administered by the National Credit Union Administration, a U.S. Government agency