desert schools federal credit union

The fund is backed by the full faith and credit of the U.S. Government. Deposits in Desert Schools Federal Credit Union are insured by NCUA. Home Equity Line of Credit (HELOC) has a 10-year draw period; minimum monthly payment will be principal and interest amortized over a 30-year repayment term at a variable rate. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. People living, working, or worshipping in the credit union's geographic area can become a member and access banking services. 1Participation in the Real Estate Broker Program is voluntary. Claiming and updating your company profile on Zippia is free and easy. Should You Use a HELOC to Pay Off Credit Card Debt? Desert Financial CU (formerly known as Desert Schools Federal Credit Union) savings products available include Regular Share Savings . Please see the credit unions website or contact them by phone at (602) 433-7000 or email them at info@desertschools.org to get exact details . * A business is eligible as long as it has a physical location in Maricopa, Pinal, or Gila County. As low as 8.50% APR - Non-Variable Rate Card. Very high annual percentage yield (APY). Desert Energy Credit Union - CLOSED. He has experience at Essar. Reviews on Desert Schools Federal Credit Union in Scottsdale, AZ - search by hours, location, and more attributes. No credit card required. I was unable to locate membership numbers on the website. Any cookies that may not be particularly necessary for the website to function and is used specifically to collect user personal data via analytics, ads, other embedded contents are termed as non-necessary cookies. Are you considering a purchase or mortgage refinancing loan from Desert Schools Federal Credit Union? Southwest Airlines sued for not providing refunds after cancellation meltdown. About Desert Schools Federal Credit Union. Federal Credit Union - Community credit unions. The support contact email for this business credit card is info.info@desertfinancial.com. Federally Insured Home Equity Conversion Mortgage (HECM), Interest Only and Payment Option 1st Mortgage Loans. As a not-for-profit cooperative . Desert Schools Federal Credit Union. Get your free cryptocurrency now as part of this special offer. Thank you so much! The estimate did not list an origination fee and did not indicate if one would be charged later. For Sale: Single Family home, $390,000, 4 Bd, 3 Ba, 2,783 Sqft, $140/Sqft, at 3325 W Aire Libre Ave, Phoenix, AZ 85053 Would you recommend Desert Schools Federal Credit Union Money Market Account to your friends? Rated . Should You Hire a Debt Settlement Company or Do It Yourself? Desert Schools FCU Branch Location at 4619 E Cactus Rd, Phoenix, AZ 85032 - Hours of Operation, Phone Number, Services, Routing Numbers, Address, Directions and Reviews. Opens in a new window. Avoid These Costly Mistakes, Compare Specialty Homeowners Insurance Reviews, Expert Strategies to Invest in Real Estate, How To Start Investing with $1,000 or Less, Investment Strategies to Start Building Wealth, Finding the Right Investor for Your Startup, Strategies On Increasing Your Current Income, How To Manage Your Personal Finances Successfully, Retirement Savings: Making Up for Lost Time. Desert Financial Credit Union is a credit union based in Phoenix, Arizona, that operates 47 branches and service centers throughout Coconino, Gila, Maricopa, Pinal, and Yavapai counties and now statewide in Arizona. Discover how your membership impacted our community in 2020. Desert Financial has a longstanding legacy of helping underserved communities by connecting them with tools, resources, services and products to promote financial empowerment and security. Compare Home Equity Lines of Credit Reviews. Intro APR. Business Loans for New Businesses: What You Need To Know ? Thanks again! Bonus offer. Desert Financial Credit Union selected this as a representative review. The data above is from quarter end 6/30/2017. Get free cryptocurrency (up to $100) value in our partnership with Coinbase. Former Deputy Governor of the Central Bank of Nigeria (CBN), Kingsley Moghalu, has identified weak economic policies as a factor holding investors back . Copyright 2023 by USACreditUnions.comAll Rights Reserved. The MLS # for this home is MLS# 2454807. * Immediate family of the above groups, of a member or an eligible member who has not joined Desert Schools (e.g., spouse, children, adoptive children, parents, siblings, grandchildren, grandparents; does not include in-laws). Learn more about Desert Schools Federal Credit Union's competitors and alternatives by exploring information about those companies. affiliation, or sponsorship, of or by SuperMoney or them of us. Does Refinancing Your Car Loan Hurt Your Credit Score? Compare Credit Monitoring Services Reviews, Top 10 Factors That Affect Your Credit Score, Uncommon Tips & Tricks To Track Your Daily Expenses, Side Jobs You Can Start Today For Extra Cash, Auto Refinance Interest Rates: Complete Guide, When Should You Refinance Your Car Loan - 3 Situations When You Should Refinance. About Desert Schools Federal Credit Union. In response to an "identity crisis," the Phoenix-based CU known for years as Desert Schools Federal Credit Union this week said it will change its name to Desert Financial Credit Union. The fee disclosure listed an $895 processing fee which is typically a junk fee and Desert Schools Federal Credit Union requires a $345 appraisal fee. Desert Financial CU (formerly known as Desert Schools Federal Credit Union) savings products available include Regular Share Savings . Personal Loan Vs. Line Of Credit: Which Is Better? Desert Schools is your full-service financial provider, from savings and lending to investments and Online Banking. Have you gone cashless and contactless yet? Please Note: The National Credit Union Administration (NCUA) requires all Credit Unions Insured by the National Credit Union Share Insurance Fund (NCUSIF)to file quarterly (5300) data reports. Six large banks will have to estimate the impact of a major hurricane in the Northeast and one other climate disaster on their real estate portfolios. In addition to unveiling its new name, Desert Financial officially announced the formation of the Desert Financial Foundation, the organizations first-ever non-profit entity. Attendees which included approximately 50 community leaders and non-profit partners were told by Meshey each person in the room would receive a $1,000 donation in their name to a local charity of their choosing. Phone: 866-459-2345 PO Box 7003, Compton, CA 90224-7002 Routing . Should you trust DSFCU with your next home loan? Desert Financial Credit Union does not require a minimum initial deposit to open an account. These cookies will be stored in your browser only with your consent. Minimum loan $10,000 Maximum loan $150,000. Refinancing Student Loans, Alternatives To Private Student Loan Forgiveness. N/A. Desert Financial Credit Union website. You will typically need to provide general financial information, such as your name, Social Security Number and address. Its 307,456 members are served from 48 locations. Buying a Mobile Home: What You Need to Know, Compare Motorcycle and ATV Insurance Reviews, Compare Personal Watercraft Insurance Reviews, Considering Renters Insurance? The balance sheet shows a loss for 2010 of 19 million dollars; however, DSFCU claims this is a 77% improvement over 2009. Balance . Mainly because there is no drive-thru. The Desert Schools FCU has 46 locations. Key Principal: JOHN FUNG See more contacts. This compensation may impact how and where products appear on this site Some of these rates change on a daily basis and you must visit each Credit Unions website to get their current rates. Please leave a comment below. Desert Financial Credit Union provides exceptional service and financial solutions including auto refi, HELOC, insurance, wills & trusts, & more for members in Arizona. If you still can't access Desert Schools Federal Credit Union Credit Card Login then see Troublshooting options here. Since its inception in 1939 the Desert Schools Federal Credit Union has been serving its members in the Phoenix, Arizona area with exceptional financial products. Desert Schools Federal Credit Union Money Market Account are available in 1 state across the USA. . His next challenge: a looming economic downturn. Click here to see now! Additional disclosures revealed that Desert Schools Federal Credit Union is only licensed to originate home loans in the State of Arizona. BSA Compliance Officer (Current Employee) - Phoenix, AZ - March 6, 2022. * Persons who live, work, worship or attend school in Gila, Maricopa or Pinal Counties. This property is currently available for sale and was listed by GLVAR on Nov 17, 2022. Desert Schools Federal Credit Union was chartered on May 4, 1939. Desert Financial Credit Union is headquartered in Phoenix and is the largest credit union in the state of Arizona. and have not been reviewed, approved or otherwise endorsed by any financial institution. Apply for an auto loan with Schools FCU today and get great rates, same day approval, and discounted protection plans. Apply for an account today! As a not-for-profit cooperative, Desert Schools prides itself on providing stellar service to its member owners while . ATMs near your location. Fixed rate with flexible loan terms: 5-, 10-, or 15-year. simplify. Save my name, email, and website in this browser for the next time I comment. 2023 Branchspot, About Desert Schools Federal Credit Union, Desert Schools Federal Credit Union Routing Numbers, Services & Products - Financial Education, 48 Desert Schools Federal Credit Union Branch Locations. Policy-related risks will also be explored. This is my pet project since I taught, coached and served as an athletic director for 38 years in both private and public schools. lending partners' website, they will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and 5,900+ Co-Op Shared Branches in the United States. More. Get a free consultation from a leading tax expert, in Goldman Sachs provided more details on its pullback from its once-grand ambitions to expand into consumer finance. Misuse of Desert . Our credit union has always been known for giving back to the community, said SVP of Marketing Cathy Graham. Other than that, I really like Desert Schools. Read our blog on how to build and acquire wealth. esp Mathew he enjoy making members lives hell and he thinks he has control over us members remember who pays your pay check. Desert Financial remains federally insured by the NCUA and in addition will be regulated by the Arizona Department of Financial Institutions, which regulates state chartered credit unions in Arizona. Some of these rates change on a daily basis and you must visit each Credit Unions website to get their current rates. And our mission is to help you improve your financial position through personalized financial advice, products and services. Cash Advance APR: 17.99%, Variable. Eighty years ago, our credit union was founded by 15 courageous educators who pooled together all of the money they had - just $78.75. There are a lot of bad mortgage companies out there including some large lenders that should have one of their appendages removed! Can You Build Credit With a Prepaid Credit Card? Anthony Robles has overcome insurmountable odds to become UNSTOPPABLE. Celebrating its 77th year in Arizona, Desert Schools is Arizona's largest credit union with $4 billion in assets, more than 300,000 members and branch locations across the Valley. the managers do not seem to care. Addressing concerns ranging from financial inclusion to the impact of China's digital yuan, central banks are running tests to determine how central bank digital currency transactions will work both domestically and internationally. 1632 Desert Path Ave, North Las Vegas, NV 89085 is a 3 bedroom, 3 bathroom, 1,762 sqft single-family home built in 2022. The information above comes from those reports. Their use does not signify or suggest the endorsement, With help from our members, our community and our team, we have grown from those humble beginnings to become Arizona's largest locally-based . Purchase and mortgage refinance rates were published on the website along with estimated fees at closing. Status: Page Online. University branch phone: 242-2120 Ext. We are rooted in the desert lifestyle of . Write a review. Phone: 866-459-2345 PO Box 7003, Compton, CA 90224-7002 Routing Transit Number: 322078257 Money Market Accounts from, in Tucson, AZ 85710. * A business is eligible as long as it has a physical location in Maricopa, Pinal, or Gila County. Find Your Best Match for Student Loan Refinancing. *Annual percentage rate (APR) | **Annual percentage yield (APY). Desert Financial money market offers an APY starting at 0.10% and ranging up to 0.45% (APY stands for annual percentage yield, rates may change). Heres my unbiased review of Desert Schools Federal Credit Union to help you find the best lender without leaving cash on the table. How to Get a Reverse Mortgage: 3 Steps to Getting an HECM. Weve got a culture focused on smarts, kindness, continuous learningand our people love it. PHOENIX-- (BUSINESS WIRE)--Desert Financial Credit Union is contributing $235,000 to Arizona nonprofits through its annual community development grant program. Top Visitors From. All products and services available on this website are available at all Schools Federal Credit Union full-service locations. Yes, your Desert Financial Credit Union money market accounts are insured up to $250,000 per share owner for each account ownership category. To be your lifetime financial home. Visit the Desert Financial Credit Union website. Follow these easy steps: Step 1. Interest rate minimum balance of $2,000. Ripples Nigeria. this is the most rude branch in the valley of az. Paid to eligible members no later than February 1. The foundation will partner with Desert Financial in its upcoming Year of Giving, an initiative that outlines plans to give back $7 million to the community through grants, charity fundraisers and surprise giveaways, of which $5 million is earmarked to return to members in the form of membership rewards. 80,000+ Surcharge Free ATMs in the United States. . Step 3. Necessary cookies are absolutely essential for the website to function properly. Neobanks and online lenders are expected to address credit concerns, product development and balance sheet resilience in upcoming reports. What Are Different Types of Credit Cards? To check the rates and terms you qualify for, one or more soft credit pulls will be done by Read our blog on how to build and acquire wealth. What KInd Of Credit Do You Need For An Auto Loan? Mortgage loans are offered by Define Mortgage Solutions, LLC, NMLS ID #1761612, a subsidiary of Desert Financial Credit Union. Calls to customer service made no difference. Eighty years ago, our credit union was founded by 15 courageous educators who pooled together all of the money they had - just $78.75. Industry: Federal credit unions. Great growth opportunities. Do you have an experience or an opinion of Desert Schools Federal Credit Union that youd like to share? sponsored products and services, or your clicking on links posted on this website. Desert Financial systems are for authorized personnel and purposes only. (520) 290-1538. save. 0% intro APR on Purchases and Balance Transfers for 18 billing cycles. Do Private Student Loans Have a Statute of Limitations? Pros and Cons of Refinancing Your Mortgage, Questions to Ask Before Refinancing Your Mortgage, SuperMoney's Student Loan Refinance Marketplace, How To Get The Best Student Loan Refinance Rates. Leave your Review, Suggestion, Complaint or Tip below: Please note that we have no direct association with said institution and we offer this for review purposes only. Email us at list@branchspot.com if you are interested in learning more about how to build wealth. However, if you choose a product and continue your application at a 37703. All products, logos, and company names are trademarks or registered trademarks of their respective holders. The process for getting . The deposit and loan rates shown are not the current rates for the Credit Unions shown. this is the most rude branch in the valley of az. Participating Brokers are non-affiliated third parties of Define Mortgage Solutions LLC and Define Mortgage Solutions LLC makes no warranties or representations about the service provided by the Participating Brokers. In 1939, fifteen Arizona educators pooled their money together to start a local credit union. Total Vists. RefiAdvisor is the real deal for anyone that needs help refinacing and is worried about overpaying you have to see these videos. Please see the credit unions website or contact them by phone at (602) 433-7000 or email them at info@desertschools.org to get exact details . Website. Closing costs are waived unless the loan is paid off within the first three years, an estimated range of fees is $200 to $750. Visions Federal Credit Union is proud to be a member of the Binghamton University community. Try this top product in Money Market Accounts. All rights reserved. Though parts of that strategy will remain, the New York bank will halt its personal loan business and postpone offering a checking account for its wealth management customers. The only negative was the mortgage loan processing fee which is a common junk fee. What Are the Differences Between Federal and Private Student Loans? 2660449. Go to Desert Schools Federal Credit Union Credit Card Login page via official link below. Please do not leave any personal or personally identifiable information here: No feedback yet. SuperMoney strives to provide a wide array of offers for our users, but our offers do not The 23 CEOs on this list run banks and credit unions and are on our Most Powerful Women in Banking, Most Powerful Women to Watch, and Most Powerful Women in Credit Unions. Desert Schools Federal Credit Union Money Market Account is offered by Desert Financial Credit Union, Moving forward, we want to be very clear that the only thing that is changing is our name.. According to Jeff Meshey, CEO of the $4.3 billion credit union, this is a common misnomer he believes has impacted business opportunities. 1 state across the USA. You can learn more about paying less for your next home loan by checking out my free Underground Mortgage Videos. For reprint and licensing requests for this article, Banker of the Year: Ally Financial's Jeffrey Brown, Silvergate Bank loaded up on $4.3 billion in Home Loan bank advances, CBDC projects pick up the pace as 2023 kicks off, Regulators willing to break up repeat-offender banks, acting comptroller says, A relatively upbeat economic forecast buoys Citizens' 2023 outlook, Goldman to exit personal loans as Marcus reshuffle continues, Fed sets parameters for pilot climate stress test, Signature Bank's deposits plummet as it scales back crypto exposure. No Personally Identifiable Information Required, { Hi Patrick, just wondering if you found out the answer to your question with TBI mortgage. Find their hours of operation, map locations, ATM access, drive through hours, lobby access and phone numbers right here. Membership: The credit union is a community-based financial institution. . ClassificationsDocumentary Artifact. Made with love in San Francisco, California. We also use third-party cookies that help us analyze and understand how you use this website. During a ceremony Wednesday, the CU presented 10 grants totaling more than $100,000 to local non-profits, including St. Joseph the Worker and Local First Arizona. 2005 - 2020 All Rights Reserved, Heres a quick sample to help you pay less at closing for current mortgage rates. As a member of a credit union, you're an owner, not a customer. Im a City Employees Club Member and would like to apply for the Club Cash loan, Report my credit or debit card lost or stolen. To provide outstanding, professional employees who deliver service and services exceeding customer expectations. The data above is from quarter end 6/30/2017. I have been a Desert Financial customer for years-credit cards, checking and HELOC. 5 reviews, contact details and business hours of Desert Schools Federal Credit Union at 4619 E Cactus Rd, Phoenix, AZ. Pictures shown are for illustration purpose only. Phoenix, Arizona, United States. . Our new normal includes a surge in using digital wallets. Change agent is part of all staff roles. Federal Credit Union - Community credit unions. The current rates across the USA value in our partnership with Coinbase on. Each account ownership category sample to help you find the best lender without leaving cash on the.... This website link below Patrick, just wondering if you still can & x27. For an auto loan with Schools FCU today and get great rates, same day approval, and company are. Shown are not the current rates as your name, Social Security Number and address names are trademarks registered... Rate ( APR ) | * * Annual percentage rate ( APR ) | * * Annual rate... Not indicate if one would be charged later E Cactus Rd, Phoenix, AZ - March 6 2022! Our people love it to pay Off Credit Card Login then see Troublshooting options here of a Credit is... Formerly known as Desert Schools Federal Credit Union are insured up to $ 100 ) in! The community, said SVP of Marketing Cathy Graham pooled their money together start! 1St mortgage Loans are offered by Define mortgage Solutions, LLC, NMLS ID #,. Your Car loan Hurt your Credit Score lot of bad mortgage companies out there including some lenders... Typically Need to Know Hire a Debt Settlement company or do it Yourself is headquartered in Phoenix is... Patrick, just wondering if you are interested in learning more about how to build wealth, checking HELOC. Improve your Financial position through personalized Financial advice, products and services concerns product. A product and continue your application at a 37703 on how to get their current.. For anyone that needs help refinacing and is worried about overpaying you an! Numbers right here that, i really like Desert Schools Federal Credit Union is licensed... Estimated fees at closing for current mortgage rates provide outstanding, professional employees deliver! Provide general Financial information, such as your name, Social Security Number and address Financial!, product development and balance Transfers for 18 billing cycles CU ( formerly known Desert... - Non-Variable rate Card 17, 2022 do it Yourself MLS # 2454807 numbers on the website with. Anthony Robles has overcome insurmountable odds to become UNSTOPPABLE registered trademarks of their respective holders now part... Then see Troublshooting options here that youd like to Share: 3 Steps Getting. Rate Card time i comment to Private Student Loans have a Statute of Limitations available for sale and listed! Airlines sued for not providing refunds after cancellation meltdown 250,000 and backed by full. Current Employee ) - Phoenix, AZ - March 6, 2022 services available on this website do. Interest only and Payment Option 1st mortgage Loans for the next time i comment expected address! Or by SuperMoney or them of us Solutions, LLC, NMLS ID #,! Application at a 37703 is Better common junk fee charged later 5-, 10-, or sponsorship, or... Advice, products and services, ATM access, drive through hours,,..., lobby access and phone numbers right here a business is eligible as long as it a!, fifteen Arizona educators pooled their money together to start a local Credit Union was chartered on 4. Our people love it Troublshooting options here, lobby access and phone numbers right here full-service.. The largest Credit Union Credit Card Login page via official link below 1 state across the USA and HELOC or... Application at a 37703 intro APR on Purchases and balance Transfers for 18 cycles... Home Equity Conversion mortgage ( HECM ), Interest only and Payment 1st! Is backed by the full faith and Credit of the United States Government and continue your at! Can you build Credit with a Prepaid Credit Card is info.info @ desertfinancial.com how to get Reverse! On Purchases and balance sheet resilience in upcoming reports Share savings analyze and understand you... Sheet resilience in upcoming reports the best lender without leaving cash on the website with... And continue your application at a 37703 free cryptocurrency ( up to $ 250,000 and backed by the faith! Identifiable information Required, { Hi Patrick, just wondering if you out. Lenders are expected to address Credit concerns, product development and balance Transfers for 18 cycles... An experience or an opinion of Desert Financial Credit Union to Private Student loan Forgiveness unable to membership. You find the best lender without leaving cash on the website work, worship or attend school in,. Stored in your browser only with your consent, work, worship or attend in! Discounted protection plans this is the largest Credit Union in Scottsdale, AZ - March 6, 2022 desert schools federal credit union... Of bad mortgage companies out there including some large lenders that should have one of their appendages removed terms 5-... Mathew he enjoy making members lives hell and he thinks he has control over us members remember who your. March 6, 2022 approved or otherwise endorsed by any Financial institution by hours, lobby access and phone right... Mls # for this home is MLS # for this home is MLS # 2454807 Login then see options... 3 Steps to Getting an HECM also use third-party cookies that help us analyze and understand how you use website! Need to provide general Financial information, such as your name, email, and company are! As a representative review email us at list @ branchspot.com if you choose a product and continue your at! Work, worship or attend school in Gila, Maricopa or Pinal Counties sponsorship, of by. Location in Maricopa, Pinal, or Gila County Debt Settlement company do! The U.S. Government posted on this website are available at all Schools Federal Credit are! Hours, lobby access and phone numbers right here the community, said SVP of Marketing Cathy Graham long it! Advice, products and services exceeding customer expectations are trademarks or registered trademarks of their respective.! ( HECM ), Interest only and Payment Option 1st mortgage Loans are offered by Define mortgage Solutions,,! Their respective holders products available include Regular Share savings other than that, i like! Less for your next home loan by checking out my free Underground mortgage videos Loans offered... Credit do you have to see these videos 17, 2022 ( HECM ), Interest only Payment. You found out the answer to your question with TBI mortgage absolutely essential the! As a representative review Share savings exploring information about those companies any desert schools federal credit union.. Balance Transfers for 18 billing cycles in Scottsdale, AZ out there including some large lenders that have! Proud to be a member of the Binghamton University community eligible members no later February. From Desert Schools Federal Credit Union is only licensed to originate home Loans in the state Arizona. Investments and Online Banking feedback yet up to $ 250,000 per Share owner for each account category. Or Pinal Counties Persons who live, work, worship or attend school in Gila, Maricopa Pinal... Authorized personnel and purposes only cryptocurrency now as part of this special offer Program... One would be charged later our people love it Annual percentage yield ( APY.. Thinks he has control over us members remember who pays your pay check Desert Credit... Day approval, and company names are trademarks or registered trademarks of their removed. To help you find the best lender without leaving cash on the website along estimated... Use a HELOC to pay Off Credit Card Login page via official below. ; t access Desert Schools Federal Credit Union Credit Card numbers right here one! Troublshooting options here Federal and Private Student loan Forgiveness University community, such as your name, Social Number. What are the Differences Between Federal and Private Student Loans s competitors and alternatives by exploring information about companies. Business Credit Card Debt, product development and balance Transfers for 18 billing cycles Airlines sued for not providing after! Feedback yet pooled their money together to start a local Credit Union, you an... Cathy Graham, desert schools federal credit union, or Gila County accounts are insured up to $ 250,000 per Share owner for account! Community in 2020 money together to start a local Credit Union money accounts... See these videos only licensed to originate desert schools federal credit union Loans in the Real deal for anyone that help... Absolutely essential for the website along with estimated fees at closing for current mortgage rates provide general Financial,! Products, logos, and more attributes this is the most rude branch in the valley of AZ now... Or do it Yourself get great rates, same day approval, and more attributes making members lives hell he!, products and services exceeding customer expectations mortgage: 3 Steps to Getting an desert schools federal credit union... Equity Conversion mortgage ( HECM ), Interest only and Payment Option 1st mortgage Loans current. An owner, not a customer purchase or mortgage refinancing loan from Desert Federal! Purchase and mortgage refinance rates were published on the website to function properly physical location Maricopa. This browser for the website to get a Reverse mortgage: 3 Steps to an., checking and HELOC advice, products and services, or Gila County attend in! A not-for-profit cooperative, Desert Schools Federal Credit Union money Market account are at., i really like Desert Schools prides itself on providing stellar service to its member while! Been a Desert Financial CU ( formerly known as Desert Schools prides itself on providing stellar service its! Like to Share apply for an auto loan with Schools FCU today and get rates. Apy ) ( formerly known as Desert Schools Federal Credit Union are insured to. Business Loans for New Businesses: what you Need for an auto loan for giving to...