Personal Loans

For every goal you plan to reach
It’s your Advantage

Low Rates. Flexible Terms. Affordable Payments.

The emotional weight of debt can be overwhelming, but our personal loans can help you breathe easy and even save you money. Get great rates, flexible terms, and a fixed monthly payment you can afford.

When Life Happens, We’re Here to Help

A Personal Loan from 1st Advantage can help you achieve your financial goals, whether you need to consolidate debt, pay for a major expense, or cover unexpected costs.

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Competitive Rates

We offer competitive rates on personal loans, so you can get the funds you need without breaking the bank.

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Flexible Repayment Terms

We understand that everyone’s financial situation is different. That’s why we offer flexible repayment terms on our personal loans, so you can choose a payment plan that works for you.

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Quick and Easy Approval Process

With a quick and easy application process, you can get approved for the funds you need in no time.

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Use the Funds However You Choose

Whether you need to consolidate debt, pay for a major expense, or cover unexpected costs, a personal loan at 1st Advantage gives you the flexibility to use the funds however you choose.

Today’s Rates

Personal Loans

Loan Type

Annual Percentage Rate (APR)*

*APR = Annual Percentage Rate. Current APR as of 6/17/2024. Rate based on creditworthiness and term of the loan. Rates are subject to change at any time and are not guaranteed.
1. Flat rate of 17.95%. Loan amounts between $200 to $1,000. Must be a member of 1st Advantage for at least 90 days. Member must have at least 60 days of direct deposit and account in good standing for the last 90 days. “Good standing” is defined as no returned items and proper use of overdraft facilities. The term of the loan must range from 1 to 5 months. Auto-pay is a requirement of the loan. The PAL cannot be rolled over into another loan. if approved by underwriting, the member would be allowed 2 loans in a 6-month period, defined as 180 days from loan funding.
2. Credit Builder Loan rate is CD rate plus 6%. Loan amounts between $500 to $1,000. The proceeds of the loan will be the funds used to create the CD. Member account must be in good standing for the last 90 days in order to qualify for the loan. “Good standing” is defined as no returned items and proper use of overdraft facilities. the term of the loan must range from 6 to 12 months. Auto-pay required.

Loan Type

Signature Line of Credit

Annual Percentage Rate (APR)*

$500 and up – as low as 13.00%

Loan Type

Fixed Term Signature Loan

Annual Percentage Rate (APR)*

$500 and up – as low as 11.49% APR*

Loan Type

Credit Builder Loan

Annual Percentage Rate (APR)*

$500 – $1,000 as low as 6.25%2

Compare Your Options

Choose a loan that aligns with your goals for the future.

  • Best if you want to:

    Best if you want to:

  • Borrow up to

    Borrow up to

  • Terms up to 

    Terms up to 

Signature Line of Credit

  • Best if you want to:

    Consolidate your high interest debt into one low interest payment. 

  • Borrow up to

    N/A

  • Terms up to 

    84 months

Overdraft Line of Credit

  • Best if you want to:

    Protect your Checking Account from overdrafts

  • Borrow up to

    N/A

  • Terms up to 

    Revolving

Savings & Certificate Secured Loans

  • Best if you want to:

    Build your credit or make a purchase without dipping into your savings

  • Borrow up to

    100% of your Share savings or Certificate account balances

  • Terms up to 

    12 years

Credit Builder Loan

  • Best if you want to:

    Build or repair your credit 

  • Borrow up to

    $1,000

  • Terms up to 

    12 months

Helpful Resources

Explore our blog for tips and advice about financial wellness.

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Apply for a Personal Loan Today

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757-877-2444
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Disclosures

*APR = Annual Percentage Rate. Rate based on loan amount, term and credit history. Rates range from 10.95% APR – 17.95% APR and terms range from 1 – 84 months. A loan amount of $15,000 for 60 months at 10.95% APR has a payment of $325.76. Total interest cost for the life of the loan would be $4,545.75. Rates and terms are subject to change without notice. 1st Advantage reserves the right to cancel this promotion at any time. Contact 1st Advantage for details.