Loans

You can change your address by:

• Vis­it­ing your local branch and com­plet­ing a change of address form.
• Log­ging into Cloud Bank­ing and chang­ing it under the ​“My Pro­file” tab.
• Fax­ing a writ­ten request to our Account Ser­vices Depart­ment at 601−649−7156. The request should include the old address, new address, your sig­na­ture and the date.
• Con­tact­ing our Account Ser­vices depart­ment at 601−649−7181 (option 2) dur­ing nor­mal busi­ness hours to request that a change of address form be mailed to you. Once we receive your com­plet­ed form, we will update your address.

If any of your con­tact infor­ma­tion changes, please let us know as soon as pos­si­ble. This will help us con­tact you quick­ly in the event of sus­pect­ed fraud, and pre­vent you from expe­ri­enc­ing any fees or inter­rup­tion in ser­vices due to returned mail.

You can apply for a loan online, by phone, or in per­son. To apply online at any time for a bill con­sol­i­da­tion loan, cred­it builder, cred­it card, per­son­al loan or vehi­cle loan, get start­ed here. You can vis­it your local branch dur­ing nor­mal busi­ness hours to apply, or call our Mem­ber Ser­vices Depart­ment at 601−649−7181 (option 2) dur­ing nor­mal busi­ness hours to apply by phone.

A sig­na­ture loan (also known as a per­son­al loan) is a loan with­out mate­r­i­al col­lat­er­al such as a car or home. The max­i­mum amount you can bor­row is $20,000 (pend­ing approval based on cred­it score, cred­it his­to­ry and income). You can use this loan for just about any purpose.

Sun­belt offers sev­er­al options for loan payment:

• Vis­it any of our branch loca­tions and pay using cash or check.
• Mail your loan pay­ment to:
  6885 US HWY 49
  Hat­ties­burg, MS 39402
• Con­tact our Mem­ber Ser­vices Depart­ment at 601−649−7181 (option 2) dur­ing nor­mal busi­ness hours to make a deb­it card or cred­it card pay­ment over the phone.
  Please note: this method of pay­ment requires a $15 fee.
• Trans­fer funds at any time from your sav­ings or check­ing accounts to your loans using Online Bank­ing or the Sun­belt app.
• Make an online pay­ment to your Sun­belt loan from an account at a dif­fer­ent finan­cial insti­tu­tion via Swivel­Pay. Click here to learn more.

Cosign­ers lend their names and good cred­it his­to­ries to help the mak­er (the pri­ma­ry bor­row­er) secure a loan. Should the mak­er die, lose a job or oth­er­wise fail to make pay­ments, all respon­si­bil­i­ty for meet­ing the terms of the loan trans­fers to the cosign­er. An often over­looked aspect of cosign­ing a loan is the fact that the loan appears on both the mak­er’s and cosign­er’s cred­it reports. As a cosign­er, it is your respon­si­bil­i­ty to be aware of the loan’s sta­tus and make any nec­es­sary arrange­ments should the oth­er bor­row­er not be able to reli­ably make payments.

To start the loan pre-approval process, sub­mit an online appli­ca­tion, vis­it your local branch, or con­tact our Lend­ing Depart­ment at 601−649−7181 (option 4) dur­ing nor­mal busi­ness hours.

Non-mem­bers can apply for a loan, but to apply in a branch or over the phone, you must — at min­i­mum — open a sav­ings account with Sun­belt. Before the loan is processed, mem­ber­ship eli­gi­bil­i­ty will be deter­mined. One of our lend­ing pro­fes­sion­als will con­tact you to review our mem­ber­ship requirements.

Any mem­ber who is 16 or old­er and has an active check­ing account may apply for a deb­it card. Mem­bers must be 18 or old­er to apply for a loan, a Mas­ter­Card cred­it card or Over­draft Privilege.

The cred­it bureau does not allow Sun­belt to release copies of cred­it reports. You can request a free copy of your cred­it report by vis­it­ing annu​al​cred​itre​port​.com.

The fed­er­al gov­ern­ment requires that each of the three nation­al cred­it-report­ing agen­cies (Exper­ian, Equifax and Tran­sUnion) pro­vide a free cred­it report every year. To request a free copy of your cred­it report, do not con­tact the indi­vid­ual cred­it-report­ing agen­cies.

Accord­ing to the Fed­er­al Trade Com­mis­sion, the only autho­rized online source is at annu​al​cred​itre​port​.com. Con­sumers should be aware that there are many web­sites that claim to offer free cred­it reports but often charge you for anoth­er prod­uct if you accept the report.

To request your cred­it report by phone, call (877) 322‑8228.

To request your cred­it report by mail, write to Annu­al Cred­it Report Request Ser­vice, P.O. Box 105281, Atlanta, GA 30348 – 5281.

Because the fed­er­al gov­ern­ment requires that each of the three nation­al cred­it-report­ing agen­cies (Exper­ian, Equifax and Tran­sUnion) pro­vide you with a free cred­it report every year, we rec­om­mend stag­ger­ing your requests through­out the year. That way, you’ll get a con­tin­u­ous pic­ture of your cred­it sta­tus, because the three bureaus feed each oth­er the lat­est infor­ma­tion. You will also be able to resolve any errors as you find them (because errors can neg­a­tive­ly impact a cred­it score), and this will also help you keep an eye on iden­ti­ty theft.