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Flexible options that help adjust your loan terms when your financial needs change.
Life changes — and your loan should be able to change with you. Summit Choice Credit Union now offers Flex Loans, a feature that gives you more control over the terms of your existing loan without refinancing, pulling new credit, or visiting a branch.
With Flex Loans, you can quickly and easily adjust your loan term to better fit your budget — all right from your online or mobile banking account.
Apply Online
Flex Loans allow you to request a loan modification right within Summit Choice digital banking by changing your loan term* by up to 12 months. When your term changes, your monthly payment and loan maturity date automatically update. This helps you tailor your payment to your current financial situation without the hassle of refinancing.
*Subject to approval and eligibility. A processing fee applies.
Extend your loan term to free up cash flow.
Shorten your loan term if you want to become debt‑free sooner (note: this may increase your monthly payment).
Your loan rate stays the same — no interest changes, no penalties, and no credit check.
Request changes quickly from mobile or online banking
Auto loans more than one year old
Loans do not qualify if past due (1+ day) or have a history of repeated delinquency
Loans with an original balance more than $2,000
Loans where the original credit score at the time of origination was above 580
Log in to your online banking or mobile app.
Select your eligible loan account.
Choose Modify My Loan.
Increase or reduce your loan term (up to 12 months).
A small processing fee (e.g., $49) applies and can be deducted from the account you choose at the time of request.
Flex Loans empower you to manage your payments without refinancing — meaning you get flexibility when you need it most. This tool is designed to help you adjust your payment plan to match your evolving financial picture.
Log in to your online or mobile banking account today and explore Flex Loans under your loan options. If you have questions or want help determining eligibility, reach out to our member support team.
Access Flex Loans in Online Banking Contact a Loan Specialist
*APR = Annual Percentage Rate. Calculations are estimates only and do not constitute a quote or offer of credit. Rates may vary and may not reflect all current promotions. Please contact us for complete details.
*APY = Annual Percentage Yield. Calculations are estimates only and do not constitute a quote or offer of credit. Rates may vary and may not reflect all current promotions. Please contact us for complete details.