We live in a digital world. E-readers are encroaching on books and streaming services have replaced trips to the video rental store. Airbnb is the modern-day hotel and Uber reigns supreme over taxi services for many commuters.
At CAPE Credit Union, we get it. People want information and services instantly. Here's how we're meeting you halfway with online loan applications you can trust.
Welcome to the concierge economy
Modern, digital services that replace traditional ones make up the 'concierge economy'. People tend to prefer concierge services because they're more convenient, are often associated with a lower cost and offer a welcome alternative to a tired, traditional offering, according to TimeTrade. At CAPE, our online lending solutions do just that.
Convenience – One of the main reasons people prefer credit unions is for our customer centred approach to service. We value your time, which means offering convenient solutions. Don't have time to finish the application in one sitting? Work away at it over time. Prefer to download and fill it out by hand? Be our guest.
Lower cost – Because credit union profits are returned back to our members, we can afford to offer competitive interest rates and do not charge superfluous fees. Check out how our loans compare.
A much needed alternative – Untrustworthy big banks and seedy online lending services aren't the only ones offering online applications. Don't get your money from the same greedy lenders who created the problem a few years ago. Take out a loan with a customer-owned credit union instead.
— TimeTrade (@timetrade) December 23, 2015
Get a loan at the click of a button
There are many perks to applying for a home or investment loan online. Here are some of our favourites:
- Better rates – not only because you're applying online, but because you've chosen to apply with a credit union
- Faster, more convenient service
- Shop around (without leaving home) – on CAPE's website, you can apply for a loan, and also see side-by-side loan comparisons with other lender's rates. Our online application is fully transparent, and you can see all the details here.
So why doesn't everyone apply for a loan online? Often because they don't trust banks, and we understand. The big banks have a long history of questionable lending practices. When you work wtih CAPE, you can rest assured that our online application process is as straightforward as a face-to-face meeting with one of our Personal Member Advisors.
Our online application process is as straightforward as a face-to-face meeting.
Technology can be tricky, and many people don't like the idea of having to work through the process on their own. Our forms are simple and easy to fill out. If you do have a question, you won't be ringing one of the Big Four's impersonal helplines. CAPE Credit Union easy-to-use online applications are backed with highly personalised customer centred service by your very own Personal Member Advisor. It's a winning combination.
Ready to start the loan application process? Find out more about applying for a loan online with CAPE credit union, and check out what we have on offer today.