Loan Payment Assistance

Fraud Alert: Protect Yourself from Remote Access Scams

We are aware of an increase in Remote Access Scams targeting local community members by impersonating trusted organizations, including financial institutions. These scammers hope to gain unauthorized access to your devices and personal information. Learn more

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Financial Hardship

If you are experiencing financial difficulties, you may qualify for a deferral or reduced loan payment through Bay Federal’s Consumer Preservation Program.

To qualify, you must:

Have made a minimum of 12 payments to the Credit Union on your auto loan.
Have sufficient income to qualify for relief.

Note: All borrowers and co-borrowers must sign the Consumer Preservation Program Application and submit supporting income and hardship documentation to Loss Mitigation for review.

If you have any questions contact Loss Mitigation at 831.479.6000, ext 8124.

If you're at risk of missing a mortgage payment or foreclosure, please review our Foreclosure Prevention page for helpful information.

Consumer Preservation Program Foreclosure Prevention

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You will be redirected to a website outside of the Bay Federal Credit Union website and entering a website hosted by another party. The linked website is not operated by Bay Federal Credit Union. Bay Federal Credit Union is not responsible for the content or availability of the linked website. Bay Federal Credit Union does not represent the operator of the linked website, the member, or any other users if the two enter into a transaction. Privacy and Security Policies of the linked website may differ from those of Bay Federal Credit Union.