Personal Loans

1st Advantage offers loans with low rates that are designed to help you conveniently and cost-effectively make purchases and plan for your future.

Signature Loan

A signature loan is an unsecured personal loan that 1A offers to our members to consolidate bills or even use the cash for furniture, vacations, educational expenses and more. Terms and rates vary according to the amount you borrow. The minimum loan amount is $500.

  • Terms up to 84 months
  • Low competitive rates

Overdraft Line of Credit

A line-of-credit can be used for whatever you choose. It's a quick source of money for special needs, or to cover overdrafts by automatically transferring funds up to your approved limit. There are no fees involved, and you pay interest only on the amount of credit used.

  • Open-end lines of credit available
  • Low competitive rates with no fees involved

Share Certificate & Share Secured Loans

  • Loan up to 100% of your share savings or certificate account balance
  • Your share account or share certificate is used as collateral while still earning dividends
  • Terms up to 12 years
  • Low competitive rates

Payday Advance

When unforeseen expenses occur, all too often many people turn to a payday lending institution for help. Unfortunately, these loans, also known as cash advances, quickly turn into a debt trap for borrowers. Learn More

Fuel Assistance

We all make tough decisions every day. Choosing between buying groceries or paying the heating or cooling bill should not be one of them. 1st Advantage is here to help members avoid that decision with the new "Fuel Assistance" Program.  Learn More

1A also offers Debt Cancellation on loans.  Learn more

Don't wait!  Get started on a loan application today!

Call 757-886-3337 Monday - Friday 8:30am - 5:30pm to apply



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Routing # 251480563  |  757-877-2444  |  800-359-7650

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