Borrower Eligibility Will I be eligible for a Loan? Why was I disqualified? Can AMOCO Federal Credit Union make exceptions for unique situations? Can I use a cosigner? What are the minimum credit requirements to receive a loan? See all articles › Applying for a Loan Can I apply for a second loan? How does applying for a loan affect my credit? When and how do I receive my loan funds? What is the range of interest rates offered on loans, and what is the difference between APR and interest rate? Can I change my loan application after it has been submitted? See all articles › Verification How do I get my transcript? Can I use my household or spousal income? What documentation will verify my income? Can I increase my loan amount after I have accepted my loan terms? What is considered income? See all articles › Making Loan Payments How can I delete an old bank account? Can I split my monthly payment into two or more installments? Does AMOCO Federal Credit Union charge a prepayment fee or penalty? What portion of my payment is interest vs. principal? What are my payment obligations? See all articles › About Upstart What is Upstart? How can I contact AMOCO Federal Credit Union? See all articles › Popular questions Can I increase my loan amount after I have accepted my loan terms? How does applying for a loan affect my credit? Does AMOCO Federal Credit Union charge a prepayment fee or penalty? Can I split my monthly payment into two or more installments? Can AMOCO Federal Credit Union make exceptions for unique situations? What subsequent events may disqualify my AMOCO Federal Credit Union loan application?