Personal Loan Rates

*APR = Annual Percentage Rate. Current APR as of 11/15/2024. 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.