Whether you’re treating yourself to a personal project or paying for an unexpected expense, we can help make it possible. With a personal loan, you choose how to use the money. And we have two options to lend a hand.
As low as 7.99% APR
Our personal loans feature rates as low as 7.99% APR, flexible terms up to 60 months, and credit limits up to $25,000. The fixed rate, term, and payment make budgeting easy. A loan would be ideal for a one-time expense, like a medical cost or a large purchase.
Our personal line of credit has a low, variable rate of 12.40% APR tied to the Prime Rate. The line of credit has an open-ended term, which means you can continue to access your funds over time. That makes it more ideal for an ongoing project, like tuition or a home improvement.
A personal line of credit can also be used as an overdraft protection source for a 1st United checking account.
APR (Annual Percentage Rate) as of March 1, 2023, and is subject to change. Personal Loan: Lowest rate quoted. APR ranges between 7.99% and 17.99%. Your rate may vary based on creditworthiness, amount financed, and terms and conditions. Available terms between 12 months and 60 months. No pre-payment penalty. Loans are subject to credit approval. Loan payment example: $20.27 per month for each $1,000 borrowed at 7.99% APR for 60 months. Personal Line of Credit: Lowest rate quoted. Your rate may vary based on creditworthiness, amount financed and terms and conditions. Loans are subject to credit approval. Rate is variable based on the Prime Rate (index) currently at 7.75% (as of February 2, 2023) plus a margin of at least 4.65%. Margin will be assigned at time of loan approval and is based upon borrower’s FICO score.
We make it easy!
Our simple 3-step online application makes applying for a personal loan or line of credit easy. All you'll have to do is choose how to spend it.