To Apply
1. Complete an Application and submit it to YES.

2. If your application is accepted, you will receive your loan by signing a promissory note in the presence of at least three other YES members. If you apply as a group, each member of the group must sign the note. If your application is rejected, you will be told the reason and may be invited to re-apply at a later date.

3. Repayment of your loan, plus $5.00 service charge, is due on or before the date you specify in your promissory note.

4. If, after receiving your loan, you foresee difficulty in repaying your loan on time, please notify YES as soon as possible. Share the difficulty you are facing with us and suggest what changes you need to make to your promissory note in order to meet the terms of your agreement. If you need extra time to repay, specify how much. If you are still unable to repay your loan, you may have to forfeit the collateral you listed on the note. Or, in the case of extreme or unusual circumstances (such as death, disability, bankruptcy, etc.), your debt may be forgiven.

Credit Where Credit Is Due
YES hopes to make it possible for you to record your borrowing activities with a nationally recognized credit bureau. This will help you establish and/or strengthen your credit history and better enable you to borrow or obtain credit from other institutions in the future.