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Borrower Eligibility Will I be eligible for Ridgewood’s No Fee Personal Loan? Why was I disqualified? Can Ridgewood Savings Bank make exceptions for unique situations? Can I use a cosigner? What are the minimum credit requirements to receive Ridgewood’s No Fee Personal Loan? See all articles › Applying for a Loan Can I apply for a second loan? How does applying for Ridgewood’s No Fee Personal Loan affect my credit? When and how do I receive my loan funds? What is the range of interest rates offered on loans, and what is the difference between APR and interest rate? Can I change my loan application after it has been submitted? See all articles › Verification What is considered income? What is not considered income for the purpose of obtaining a Ridgewood’s No Fee Personal Loan? What documentation will verify my income? How do I get my transcript? Can I use my household or spousal income? See all articles › Making Loan Payments How can I delete an old bank account? Can I split my monthly payment into two or more installments? Does Ridgewood Savings Bank charge a prepayment fee or penalty? What are my payment obligations? What happens if I am late on my payment? See all articles › Contact Information How can I contact Ridgewood Savings Bank? See all articles › Popular questions What are the minimum credit requirements to receive Ridgewood’s No Fee Personal Loan? What are my payment obligations? How can I contact Ridgewood Savings Bank? Will I be eligible for Ridgewood’s No Fee Personal Loan? How can I delete an old bank account? What is not considered income for the purpose of obtaining a Ridgewood’s No Fee Personal Loan?