Provo Postal Credit Union

Capacity - Do you have a stable job with enough income to qualify for the debt? Typically, you must be around a 40% debt-to-income ratio or less (only 40% of your gross income can be used for debt payments) Are you capable to understand the monthly payment requirement on this and all other loans? Collateral - Is the value of the vehicle or real estate such that the credit Union can protect its member's assets by making the loan as requested? What is the loan-to-value ratio (LTV) on this piece of collateral? Typically, the LTV must be 80% or less.