Servicemembers Civil Relief Act (SCRA)
Take advantage of the legal and financial benefits for active duty servicemembers under The Servicemembers Civil Relief Act. Please take a moment to review the FAQ section for details on eligibility criteria and other important information before submitting your request
Request SCRA BenefitsWhat is SCRA?
The Servicemembers Civil Relief Act is a federal law providing benefits and protections to individuals engaged in military services so they can focus on their missions without the same amount of financial-related stress as they otherwise might have.
Request SCRA BenefitsWhat are the benefits of the SCRA?
Limits on interest rates – if you qualify for coverage under the SCRA, mortgage, consumer loan, and credit card rates will be set to a maximum of 6% until your active duty ends.
Reduced payments – in some cases, your payment can be reduced to reflect the lower rate.
Installment loans (such as auto, RV, boat, etc.) cannot be repossessed unless a court order allowing the repossession is obtained. **Missed or late payments may be reported to the Credit Bureau(s) which could affect your credit and/or military security clearance.
How to Submit a Request
Fill Out Application Request
Fill out the SCRA application request form detailing your member and personal information to apply for SCRA benefits.
We'll Be in Touch
Once your request has been received, a representative will contact you within 3 business days.
FAQs about SCRA
You may be eligible if your loans and/or credit cards were obtained prior to entering active-duty status and if one or more of the following apply:
You are a Reservist and are on full-time active duty (for longer than 30 days).
You enlist in the US Army, Navy, Air Force, Marine Corps, Coast Guard, or Space Force.
You are National Guard under federal (Title 10) orders at the order of the President or as a commissioned officer of the Public Health Service or NOAA.
Retired military personnel.
Members of the National Guard who have not been called to Active Duty or who have not been called to federal service for a period of more than 30 consecutive days.
Service members whose SCRA application was submitted more than 180 days after the last day of Active Duty.
Credit that was obtained while on Active Duty.
In most cases, SCRA benefits end when your active-duty period ends or the eligible loan is paid in full.
Spouses or family can request benefits on your behalf but unless they are already a joint member on your accounts, they would need to have Power of Attorney to make decisions and receive information. Contact your military legal office to get a power of attorney.
If you had your loan before you entered military service, the SCRA usually requires the lender to have a court order before foreclosing or repossessing during military service. The lender must determine if you’re on active duty, and the court must protect your SCRA rights. However, foreclosure or repossession can still happen if a court decides it’s appropriate. Missed or late payments may be reported to the credit bureau, according to the Fair Credit Reporting practices, so your credit can be affected.
If you received our loan or credit card while on active-duty service.
Are a veteran whose service date is more than 180 days past.
State National Guard under most orders.