Personal Loans
For every goal you plan to reachIt’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.
Competitive Rates
We offer competitive rates on personal loans, so you can get the funds you need without breaking the bank.
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.
Quick and Easy Approval Process
With a quick and easy application process, you can get approved for the funds you need in no time.
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
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Loan Type |
Annual Percentage Rate (APR)* |
|---|---|
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*APR = Annual Percentage Rate. Current APR as of 1/27/2025. Rate based on creditworthiness and term of the loan. Rates are subject to change at any time and are not guaranteed. |
|
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Loan Type Flex Line of Credit |
Annual Percentage Rate (APR)* $500 and up – as low as 17.95% |
|
Loan Type Fixed Term Signature Loan |
Annual Percentage Rate (APR)* $500 and up – as low as 11.49% APR* |
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Loan Type Credit Builder Loan |
Annual Percentage Rate (APR)* $500 – $1,000 as low as 6.25%^ |
Introducing CashPlease® Loans
When life throws you a curveball and you need easy access to cash, what better place to run than your own credit union? Now introducing 1st Advantage CashPlease® loans as an easy, quick, and affordable option to access cash when you need it. These small-dollar, short-term loans allow qualifying members with a checking account to borrow $200 to $750** without a credit check. Learn more here!
Compare Your Options
Choose a loan that aligns with your goals for the future.
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Best if you want to:
Best if you want to:
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Borrow up to
Borrow up to
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Terms up to
Terms up to
Signature Line of Credit
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Best if you want to:
Consolidate your high interest debt into one low interest payment
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Borrow up to
N/A
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Terms up to
84 months
Flex Line of Credit
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Best if you want to:
Protect your Checking Account from overdrafts
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Borrow up to
N/A
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Terms up to
Revolving
Savings & Certificate Secured Loans
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Best if you want to:
Build your credit or make a purchase without dipping into your savings
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Borrow up to
100% of your Share savings or Certificate account balances
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Terms up to
12 years
Credit Builder Loan
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Best if you want to:
Build or repair your credit
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Borrow up to
$1,000
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Terms up to
12 months
CashPlease
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Best if you want to:
Cover unexpected expenses and need funds fast
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Borrow up to
$750**
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Terms up to
Not a Member Yet? Join 1st Advantage Today!
Helpful Resources
Explore our blog for tips and advice about financial wellness.
Five Easy Steps to Save for Big Ticket Items
How Much to Save for Retirement
The Importance of Credit History & Successful Savings
Apply for a Personal Loan Today
Disclosures
**Subject to eligibility restrictions. Loans subject to underwriting and ability-to-repay determinations.