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An HLN Corporation institution Member desk

Member banking
& ship finance

Member desk
Crusader C1 Spirit
YOUR CREDIT COOPERATIVE / YOUR NEXT SHIP

Finance your
next ship.

Civitas offers aUEC loans to members buying a ship. Apply with a dealer quotation and the contribution you intend to make toward the purchase.

Plan your purchase ↓
CIVITAS CREDIT COOPERATIVESHIP
FINANCE

aUEC loans for
Civitas members

aUEC / MEMBER LENDING
01 / YOUR VESSEL

Eligible vessels

Apply for a ship listed in our ship catalogue, or submit a quotation for another vessel. An officer will confirm that the purchase can be completed for aUEC.

02 / YOUR TERMS

Loan terms and repayments

Your offer includes the amount borrowed, the fixed lending charge and a weekly repayment schedule. You can repay early without an additional fee; the agreed lending charge remains payable.

03 / YOUR COOPERATIVE

Disbursement

Once you accept an offer, Civitas reserves the loan funds and your contribution. The appointed custodian transfers the purchase amount to your account, and you complete the dealer purchase.

SHIP FINANCE

Terms at a glance

A treasury officer reviews the dealer price, your contribution and proposed repayments. Your written offer lists the loan amount, fixed charge and weekly payments before you accept.

Read the ship lending standard →
Currency
aUEC
Repayment period
Up to 104 weeks
Repayments
Weekly, in whole aUEC
Lending charge
Fixed amount stated in your offer
Application fee
None
Early settlement
No additional fee; agreed charge remains payable
CCC / WORKING-SHIP FINANCE

Find a ship. Build your plan.

Explore 44 catalogue vessels, compare the contribution and weekly schedule, then send your plan to the lending office.

Your applications ↗
L-100

Pathfinder Entry Working Note

Entry-level industrial, starter mining, light salvage, and courier hulls.

10% standard contribution · 2–8 weeks
L-200

Workhorse Industrial Note

Primary revenue-generating mining, salvage, towing, and medium-to-heavy freight vessels.

20% standard contribution · 4–12 weeks
L-300

Tactical & Escort Facility

Convoy escort fighters, heavy gunships, interdiction, and medical response vessels.

25% standard contribution · 4–10 weeks
L-400

Syndicate Capital & Flagship Lease

Multi-crew industrial platforms, bulk hull freighters, and sub-capital fleet flagships.

30% standard contribution · 8–24 weeks

44 vessels · supplied charter catalogue · prices require a current dealer quotation

Your purchase plan

Catalogue estimates are separate from the officer’s written offer.

L-200 / Workhorse Industrial Note

Drake Vulture

Solo Hull Scraping & Structural Salvage · 1–1 crew · 12 SCU

Starts with the catalogue reference. Replace it with your current aUEC dealer quotation. Treasury verifies the tier you request.

Conditions to review with the lending office
THE APPLICATION PROCESS

Applying for ship finance

  1. Apply

    Name the vessel, dealer, contribution and intended work.

  2. Receive your offer

    An officer confirms the quotation and issues the complete terms.

  3. Accept the terms

    Review and accept the written offer in your member account.

  4. Complete the purchase

    Civitas reserves the purchase funds. The custodian transfers the agreed aUEC; you purchase under your own citizen account.

  5. Repay on your schedule

    Confirm the purchase, follow your repayment record, or settle the outstanding balance early.

Loans require officer approval and available funds. Catalogue prices are a guide; your offer uses a confirmed dealer price. Check availability and insurance with the seller. Civitas does not provide hull insurance or repossession services.

Manage your ship finance →Member account standard →