Personal Lending Assistance

Auto Loans

A creditworthy cosigner increases the likelihood of loan approval and may lead to a lower rate. However, if you meet the credit and income requirements on your own, you may apply without a cosigner.
By prequalifying, you get a sense of how much car you can afford to finance. That way, when you go car shopping and see your dream car, you’ll know you can buy it.

Making Payments

Yes, you can do so by using our online payment portal! You will need your account number and the last four digits of your social security number to make the payment. Fees may apply.

Recreational Vehicle Loans

The amount that you can borrow depends on your credit score and debt to income ration. The minimum boat loan is $5,000. However, if you need to borrow less, we have other products available that may assist you with your purchase.
Most people opt for the full 75 months when paying off their loan.
There are many variables that affect the term and rate of your loan such as credit history, income, etc.
You must be at least 18 years old to qualify for a boat loan.
Most people opt for the full 96 months when paying off their loan. However, other terms are available.
You must be at least 18 years old to qualify for an ATV loan.

Student Loan Refinancing

You should allow 2 weeks until funds are disbursed on approved loans, but it can take less or more time in some cases. Remember, once the process is completed, you should continue to make payments to your previous lenders up until you have confirmed that your previous loans are paid in full.
Once you're conditionally approved, you may be asked to submit the following documents:
  • Proof of Identity (a government-issued ID)
  • Proof of Graduation
  • Proof of Income
  • Account statements for the loans that you wish to refinance
The minimum you can borrow is $5,000. The maximum you can borrow over a lifetime is $125,000 for undergraduate debt and $250,000 for graduate school debt.
In addition to 1st Advantage's underwriting criteria, you must also meet the following:
  • You and your cosigner (if applicable) are US citizens or permanent residents.
  • You've graduated from an eligible school.
  • You're refinancing private and/or federal loans.
  • If you have loans for preparation classes (including LSAT, MCAT, GMAT, and GRE), they're not eligible for refinancing.
  • You're a member of 1st Advantage Federal Credit Union (or become a member during the online application process).
Check your last statement. Most lenders and servicers specify which loans are federal and which are private. If you're unsure. Please contact your lender for help.
Yes, you can! Please be aware that you may lose certain benefits (e.g., favorable repayment options, loan forgiveness options, extended loan terms, etc.) associated with your federal student loans by refinancing with a private loan. We strongly advise you to review and understand your options and the potential benefits and drawbacks of refinancing your federal loans before doing so.
When you refinance your student loans with 1st Advantage Federal Credit Union, you have a great opportunity to consolidate and refinance one or more student loans into a single loan that may have a lower interest rate and monthly payment.