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Frequently Asked Questions

Loan Process FAQs

How do I apply for a loan?

There are several options available. The options vary depending on the type of loan.

For a home equity loan or line of credit, apply online, at a branch, or over the telephone by calling 610.797.7440 or 1.800.446.5598 extension 594 during business hours.

For any consumer loan, auto loan, or unsecured line of credit, apply online, call our 24-Hour Loan Center at 1.877.531.5126 or at a branch.

If you are looking for an auto loan, you can complete the entire process at any one of our participating auto loan dealers.

Do I have to be a member to apply for a loan?

Yes. Before applying for a loan at People First FCU, you must qualify for membership and open a savings account with an initial deposit of at least $5.00. Immediately after opening your account, you can submit a loan application.

How long is the loan approval process?

Our goal is to process your loan request as quickly as possible. People First strives to get all members a loan response within 24 hours from the time you submit your application. Loan closings can usually occur within a week.

Can I have a loan with People First even though I live out-of-state?

Yes, all consumer loans are available to our members who live and work in the U.S. However, mortgages and home equity loans are limited to property located in Pennsylvania. Contact us for details.

What credit bureau does People First use to determine loan approvals?

We predominately use Experian as our credit bureau for loans.

If I am approved for a loan, am I obligated to take the loan?

No. Your loan approval is good for 45 days. If you do not accept the loan within this time, you will need to reapply.

If I am denied, will it affect my credit report?

Although a denial will not directly affect your credit report, your report will indicate that People First inquired about your credit. If you have a large number of inquiries within a short period of time, it can negatively affect your credit score.

At People First FCU we are improving the accessibility and usability of our website for our members and potential members. Our efforts are based on the standards for Web Content Accessibility Guidelines (WCAG) 2.1. It is our policy to ensure that persons with disabilities have full and equal opportunity to benefit from our services on our website and on other online services. If you have any questions or need help with any content on our website or online services, please contact us at or by calling our Member Service Center at 610.797.7440.

Equal Housing Lender
Equal Opportunity Lender

Your savings are federally insured to at least $250,000 by the National Credit Union Administration and backed by the full faith and credit of the U.S. Government.

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