Financial Recovery Resources

Consumer Loan Deferral
Members may be eligible for loan payment deferrals of 60 days for auto loans and signature loans, and 30 days for credit cards and lines of credit.

Debt Protection
If your hardship is due to unemployment or disability, and your loan includes debt protection insurance, you may be eligible to file a claim. One of our consumer lending representatives can assist you with the process. If you’re unsure whether your loan is protected, our member service representatives are available to review your loan with you. 

Skip A Pay
VCCU members can have their Skip A Pay fee waived, if eligible. If you skip a payment, interest will continue to accrue and the total amount you pay over the life of the loan will be slightly higher.

Complete the form below to submit your request for assistance. Please note, all requests are reviewed on a case by case basis and are subject to approval.

Quick cash for life’s surprises

Get $500 to $1,500 fast with no credit check and simple 12-month repayment terms.* Apply online or via mobile for instant approval and immediate access to funds—helping you cover unexpected expenses when you need it most.

Log in to Online or Mobile Banking to get started.

*A $20 origination fee and restrictions apply. See full terms in application.

If you're struggling to make your mortgage payments, you’re not alone—and you have options. The key to overcoming financial challenges is acting quickly. Our resources can help you take control and avoid foreclosure or credit damage. We have resources available to help you get your mortgage payments back on track.

Visit our Mortgage Relief Assistance page to get started.

If you’ve been affected by the recent Southern California wildfires, low-interest federal disaster loans are now available to help you rebuild. Following the President’s major disaster declaration, the U.S. Small Business Administration (SBA) is offering financial assistance to businesses, homeowners, renters, and private nonprofit organizations in Ventura County. 

Visit our SBA Disaster Relief Program page for details.

Be Prepared for Life’s Unexpected Moments
From job loss to medical emergencies and natural disasters, having an emergency savings fund can make all the difference. That’s why we provide tools and resources to help you plan ahead with confidence.

Start Building Your Emergency Savings
Our Enrich Financial Wellness program offers articles, videos, quizzes, and infographics to guide you in creating an Emergency Savings fund and developing a Financial Recovery Plan.

Understand and Improve Your Credit Score
With Savvy Money, you can access your credit score instantly, explore personalized product recommendations, and receive alerts about changes to your score. Simply log in to Online or Mobile Banking and click on Credit Score to get started.