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Eligibility Will I be eligible for a Loan? Why was I disqualified? Can Firelands FCU 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 How to Calculate Your Self Employed Income 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 › About Upstart What is Upstart? How can I contact Firelands FCU? See all articles › Making Loan Payments What should I do if I’m having financial difficulties, and I can’t make my loan payment? See all articles › Popular questions How do I get my transcript? How to Calculate Your Self Employed Income What is the range of interest rates offered on loans, and what is the difference between APR and interest rate? What is considered income? What are the minimum credit requirements to receive a loan? How can I contact Firelands FCU?