Personal Loans

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

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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.

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!

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

Personal Loans
Loan Type	Annual Percentage Rate (APR)*
*APR = Annual Percentage Rate. Current APR as of 9/27/2024. 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 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*
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

Flex 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

Apply Now

Helpful Resources

Explore our blog for tips and advice about financial wellness.

Five Easy Steps to Save for Big Ticket Items

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How Much to Save for Retirement

Start planning for retirement now. Save early and save often, no matter how much you earn.

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The Importance of Credit History & Successful Savings

Having a strong credit history, reflected in good credit scores, allows you to qualify for lower interest rates and fees.

Learn more

You Might Also Be Interested In…

Credit Builder Loan

Whether you want to overcome bad credit or have no credit at all, we’ll work with you to build your score and help establish a great history that will empower your future.

Learn more about our Credit Builder Loan

Credit Cards

True freedom isn’t just about where you live or what you do, but how you choose to spend what you’ve earned. With 1st Advantage, we offer credit card options that help make your days a little brighter.

Explore our Credit Cards

Apply for a Personal Loan Today

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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.