EVERYDAY EXPENSES CAN ADD UP QUICKLY
By consolidating your high-interest loans into a single, low-interest personal loan, you can start to tackle stubborn debt and get on the fast-track to financial health. Personal loans are also an affordable way to cover medical care, emergency repairs and unexpected bills.
Flexible Terms
Borrow less than $25,000 and choose from loan terms up to 60 months, or up to 180 months when you borrow more than $25,000. Plus, there is no application fee.
Free Quarterly FICO®
Four times a year, you'll receive a free FICO® credit score report just for being a member.
No Prepayment Penalties
Want to pay off your personal loan ahead of schedule? That's awesome! We'll never penalize you for paying early.
Online tools and support
Managing your personal loan shouldn't require a finance degree. So, we'll help you get started with tools that keep things simple, like the option to set and forget recurring payments online.
Rates As Low As
Know your options
Is a personal loan right for you? Compare your options and see how much you could save.
KEEP YOUR LOAN PROTECTED
Our Member Value Protection program insured the life of your loan.
Learn More
Common Questions
Many loan decisions are provided instantly. Larger, more complex loans may take longer. We strive to provide all lending decisions as quickly as possible.
Personal loans are used for multiple purposes. We offer personal loans for as little as $500. Loans up to $75,000 are based on affordability, credit history, and other factors.
Consideration for a personal loan requires a review of your credit report. When credit is pulled, an inquiry is placed on your credit record. While the impact of individual inquiries cannot be determined exactly, a strong impact on your credit score is more likely with repeated or excessive inquiries in a short period of time. Applications for credit on a reasonable, periodic basis are not likely to create a lasting negative effect on your credit score. We do suggest monitoring your credit report by taking advantage of your free annual credit report available at www.annualcreditreport.com.
Our personal loans are available for consumer and household needs. Business loans can be applied for with our branch managers or contact MyConcierge™.
Apply Now
The loan application process will take just a few minutes to complete. We may ask you for additional information to verify your income or your Members 1st account.
If you are not yet a member, don't worry. We'll sign you up as part of the process. ** We can't wait to welcome you to the faM1ly.
Getting Ready for Life's Moments and Milestones
*Available terms may be restricted by loan amount and/or credit score. Promotional rate effective between 2/1/2021 and 5/31/2021. $2,500 in new money required. Loans may be subject to other terms and conditions. See Rates for details. Must meet current eligibility requirements.