Life happens--and when it does, your credit union is here to support you. If you're experiencing difficulty making loan payments, you're not alone. This page is designed to help you understand your options, protect what matters most, and start a productive conversation with our Member Solutions Center.
Member Solutions Center
If You're Behind on Loan Payments
Missing or falling behind on loan payments can feel overwhelming, but early action makes a big difference.
What to know:
- Delinquent payments can impact your credit score and increase fees or interest over time
- The sooner you reach out, the more options may be available
- We focus on solutions--not judgment
What you can do today:
- Review your loan details and payment history in online or mobile banking
- Contact the Member Solutions Center as soon as possible
- Ask about temporary hardship options or payment arrangements
You're taking the right step by seeking help early.
We're Committed to Your Financial Well-Being
FirstLight exists to serve you--especially during challenging times. Whether you need short-term support or long-term solutions, we're here to help you move forward with confidence.
Contact the Member Solutions Center
Call: 915.562.1172 x1794
Email: helpinghand@firstlightfcu.org
Hours: 8am - 5pm, Mon-Fri
Or manage your loan anytime through Online & Mobile Banking.
Talking with the Member Solutions Center
Our Member Solutions Center is here to help you find the best path forward. Honest, early communication is key.
What to expect:
- A confidential, respectful conversation
- A focus on understanding your situation
- Clear explanation of available options
Helpful tips for your conversation:
- Reach out as soon as you anticipate trouble making a payment
- Be open about what's impacting your finances
- Ask questions--you deserve to understand your options
You might discuss:
- Payment extensions or arrangements
- Loan modification options
- AutoPay enrollment
- Debt Protection coverage
Make Payments Easier with Automatic Payments
Automatic payments (AutoPay) help remove stress and reduce the risk of missed payments.
Benefits of AutoPay:
- Never miss a due date
- Save time and avoid late fees
- Support a positive payment history
- Convenient and secure
How it works:
- Payments are automatically withdrawn from your account on your due date
- You stay in control and can update or cancel at any time
- Available for most loan types
Set up AutoPay by visiting any engagement center (hyperlink to Branches & ATMS), online banking or with help from our Member Solutions Center.
Protect Your Loans with Debt Protection
Unexpected events can affect your ability to repay a loan. Debt Protection can help safeguard your finances during life's uncertainties.
Debt Protection may help cover your loan payments if you experience:
- Job loss or disability
- Serious illness or injury
- Death of a borrower
Why members choose Debt Protection:
- Peace of mind for you and your family
- Helps prevent delinquency during difficult times
- Simple enrollment at loan origination or after
Ask our team if your loan is eligible and what coverage options are available.