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When you apply for a personal loan at a credit union, you may be able to work with a loan officer who will take the va time to understand your specific financial situation and help you find the right loan product. It is important for the virginia borrower to carefully review the loan agreement and ensure that they understand all of the terms and conditions before signing. Once the loans borrower has been approved for the loan, they will need to sign a loan agreement, which outlines the terms of the loan, including the interest rate, repayment schedule, and any fees that may be associated with the loan.