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Consumer Loans

One of the best benefits you'll enjoy as a People First FCU member is our comprehensive range of loans for every purpose, including purchases, repairs, debt consolidation, paying off bills, and much more. Whatever it is you're looking to buy, we have a variety of ways to finance it. And, of course, we always offer highly competitive loan rates.

Unsecured Fixed Rate Loans

Need a little cash for a specific purpose? Also sometimes known as a “Signature” or “Personal” loan, a People First FCU Unsecured Fixed Rate Loan can help with debt consolidation, making home improvements, or planning a special vacation. Application and approval are fast and easy, making an Unsecured Fixed Rate loan an affordable, all-purpose solution.

Share Secured Loans

If you don’t have much credit history, or have had some credit problems in the past and need to rebuild your credit score, a Share Secured Loan may be the solution for you.

Deposit a specified amount into a People First FCU savings account and then you can use the funds in the account as collateral or security for a low-rate People First FCU loan.

Unsecured Line of Credit

For those smaller recurring loan requests, People First FCU has a convenient personal Unsecured Line of Credit. Use only the amount you need, when you need it.

  • Minimum of $500 up to a maximum of $10,000
  • Pay back only what you use
  • No annual fees
  • Can be used as Overdraft Protection for your checking account
  • Low monthly minimum payments (see chart below)
  • Variable rate

Payment Schedule

Outstanding Account BalanceMinimum Monthly Payment
$0.00 - $999.99$25.00
$1,000 - $1,999.99$50.00
$2,000 - $2,999.99$75.00
$3,000 - $3,999.99$100.00
$4,000 - $4,999.99$125.00
$5,000 - $5,999.99$150.00
$6,000 - $6,999.99$175.00
$7,000 - $7,999.99$200.00
$8,000 - $8,999.99$225.00
$9,000 - $10,000$250.00

Apply for a Loan Today!


All loans are subject to credit approval.

All Signature Line of Credit Loan payments are due on the 25th of each month.

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 staff@peoplefirstcu.org or by calling our Member Service Center at 610.797.7440.

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