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Applicants Servicing Borrower Eligibility Will I be eligible for an Express Signature loan? Where does KEMBA Financial Credit Union lend? Why was I disqualified? Can KEMBA Financial Credit Union make exceptions for unique situations? Can I use a cosigner? 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 › Applying for an Express Signature loan Can I apply for a second loan? How does applying for an Express Signature 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 › About Upstart What is Upstart? How can I contact KEMBA Financial Credit Union? See all articles › Popular questions What fees am I charged? How can I contact KEMBA Financial Credit Union? Can I apply for a second loan? When and how do I receive my loan funds? What are the minimum credit requirements to receive an Express Signature loan? Will I be eligible for an Express Signature loan?