The most convenient way to apply for a loan is online, – requests are generally processed in minutes. We offer a full range of loan products including car loans, credit cards, home equity loans and more, all at great rates! You must be a member to apply.

If you prefer to speak to someone in person, you can apply by phone at 410-534-4500 for most loan types (excludes Credit Cards), or if it’s convenient, stop in a branch.

Please note, our Mortgages and Private Student Loans are processed differently. To apply for a mortgages or to refinance your home, please call 410-534-4500 ext. 503.

To Apply Online, log into your account!

Once we receive your application, you will be contacted by phone and/or email as soon as possible. You may be asked to provide additional information including:

  • a copy of your most recent paystub or other proof of income
  • the purchase order, if you're purchasing a car
  • a list of the bills you wish to pay off, for bill consolidation
  • ·other documents, depending on loan type and application

Non-U.S. Citizens. We require a copy of your permanent resident card or proof of U.S. residency, i.e., visa.

For questions, send us a Secure Message within Online Banking or call us at 410-534-4500 ext. 503.

Signing and Settlement Made Easy

Funding your loan is easy at JHFCU.  We settle most of our loans electronically through DocuSign, so you never have to leave your home or office. You always have the option to settle at a branch or by mail. We also offer a number of repayment methods to make a JHFCU loan both economical and convenient!