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Fixed Rate Personal Loans

Get an additional 0.50% APRAnnual Percentage Rate. Actual Rate will be determined based on the applicant's history and final loan terms. All loans are subject to credit approval. Credit Union membership is required and subject to approval. Any rate discount(s) are automatically reflected in the APR noted on the approval disclosures. This will do a few things for us. It will define APR, it will properly disclose the as low as 6.99% statement, and also the 0.50% discount statement. discount on your personal loan

  • Borrow from $500 to $50,000
  • As low as 6.99% Annual Percentage Rate (APR)Annual Percentage Rate. Actual Rate will be determined based on the applicant's history and final loan terms. All loans are subject to credit approval. Credit Union membership is required and subject to approval. Any rate discount(s) are automatically reflected in the APR noted on the approval disclosures. This will do a few things for us. It will define APR, it will properly disclose the as low as 6.99% statement, and also the 0.50% discount statement.

Lock in your lower rate before this offer ends February 17, 2026

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Fixed Check my rate

Why get a personal loan from First tech?

  • Fast funding as soon as the same day
  • Low, fixed rates from 6.99% to 18.00% Annual percentage Rate (APR)Annual Percentage Rate. Actual Rate will be determined based on the applicant's history and final loan terms. All loans are subject to credit approval. Credit Union membership is required and subject to approval. Any rate discount(s) are automatically reflected in the APR noted on the approval disclosures. This will do a few things for us. It will define APR, it will properly disclose the as low as 6.99% statement, and also the 0.50% discount statement.
  • Loan amounts from $500 to $50,000
  • Flexible terms from 6-84 monthsFixed-Rate Loan example: $17,401 borrowed at 13.95% Annual Percentage Rate (APR) for 24 months = $47.99 per month per $1,000 borrowed
  • No application, origination or prepayment feesVisit firsttechfed.com/rates for a complete list of fees.
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Why get a personal loan from First Tech?

  • Manage cash flow with low, fixed rates from  As low as 6.99% Annual Percentage Rate (APR)6.99%  to 18.00% Annual Percentage Rate (APR)<p>Fixed-Rate Loan example: $17,401 borrowed at 13.95% Annual Percentage Rate (APR) for 24 months = $47.99 per month per $1,000 borrowed.</p> and no payments for up to 45 daysCheck my rate: To check the rates and terms First Tech Federal Credit Union conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit. All loan applications are subject to credit approval. Membership is required and subject to approval.
  • Enjoy terms from 6-84 months<p>Fixed-Rate Loan example: $17,401 borrowed at 13.95% Annual Percentage Rate (APR) for 24 months = $47.99 per month per $1,000 borrowed.</p>
  • No application fees, origination fees<p>Fixed-Rate Loan example: $17,401 borrowed at 13.95% Annual Percentage Rate (APR) for 24 months = $47.99 per month per $1,000 borrowed.</p> or prepayment penalties
  • DebtSafe® Optional payment protection

Optional protection for your loan

DebtSafe® payment protection can help cover your personal loan payments if life takes an uexpected turn.

If you experience a qualifying event, DebtSafe® may help by canceling or suspending payments so you can focus on what matters most.

Learn more

Check your rate on a personal loan in 30 seconds or less.

Checking interest rates on personal loans will not affect your credit score.

Quoted rate is for a fixed rate personal loan.

What is Check My Rate?Check my rate: To check the rates and terms First Tech Federal Credit Union conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit. All loan applications are subject to credit approval. Membership is required and subject to approval. Have more questions like this? Check out our full FAQ for more information.

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Reap the benefits.

Icon assessments Quick and easy loan application

  • Online loan application
  • Digital document delivery
  • Fast loan decision

Icon assessments Secure, anytime, anywhere account access

  • Free mobile app
  • Free Online Banking

Icon assessments More money in your pocket

  • No pre-payment penalty
  • No application or origination fee<p>Fixed-Rate Loan example: $17,401 borrowed at 13.95% Annual Percentage Rate (APR) for 24 months = $47.99 per month per $1,000 borrowed.</p>
  • No annual fee<p>Fixed-Rate Loan example: $17,401 borrowed at 13.95% Annual Percentage Rate (APR) for 24 months = $47.99 per month per $1,000 borrowed.</p>

Frequently Asked Questions

At First Tech, we know your time matters. That’s why our personal loan application process is designed to be quick and hassle-free.

Most applications are approved instantly or within one business day, depending on:

  • The amount you’re requesting
  • Your credit profile
  • Your overall financial situation

Once approved, you’ll have fast access to funds—so you can move forward with confidence.

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We’re here to help you take the next step toward your dreams—whether that’s buying a car, paying for school, or consolidating debt. Your loan eligibility depends on your unique financial profile, including your credit score, income, and overall financial health.

Here’s how to get started:

  • Know your credit score. It’s one of the key factors in loan decisions. You can check your score and learn how to improve it through our Financial Wellness Center.
  • Explore your options. We offer flexible terms, competitive rates, and personalized support to help you find the right loan for your goals.
  • Apply with confidence. Our team reviews each application with care and transparency. We’ll guide you through every step.

Need help? Connect with a First Tech representative or visit a branch—we’re happy to walk you through the process.

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Applying for a loan with First Tech is simple—and we’re here to guide you every step of the way.

To get started, you’ll need:

  • Valid identification (such as a driver’s license or passport)
  • Your full name and current address
  • Employment details (including your employer’s name and contact info)
  • Income and financial information (to help us tailor your loan options)

Depending on the type of loan you’re applying for—personal, auto, student, or home—we may ask for a few additional details. Don’t worry, we’ll let you know exactly what’s needed.

Why it matters:
This information helps us offer flexible terms and competitive rates that fit your financial goals—so you can move forward with confidence.

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We know waiting can be stressful—so we make it easy to stay informed.

If you applied online:
You’ll receive an email with next steps and a link to check your application status. Be sure to check your inbox (and spam folder) for updates from First Tech.

If you applied another way (like in-branch or by phone):
Reach out to our Lending Team directly at firsttechlending@firsttechfed.com. We’re happy to help you track your progress and answer any questions.

Tip: Have your application reference number handy to speed things up.

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You may still qualify for a loan, even with a less-than-perfect credit history.

At First Tech, we understand that your credit score doesn’t tell your whole story. That’s why we offer a range of loan options designed to support members across all credit types. Our team takes the time to understand your unique financial situation and works with you to find a solution that fits your goals.

 

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A loan can actually help your credit—if managed responsibly.

When you make on-time payments and repay your loan according to the terms, it can positively impact your credit score. That’s because payment history is one of the most important factors in your credit profile.

However, your score may be affected by:

  • Your total outstanding debt
  • Your income-to-debt ratio
  • The number of recent credit inquiries

At First Tech, we’re committed to helping you build and maintain healthy credit. Whether you're applying for a personal, auto, or student loan, we offer flexible terms and competitive rates designed to support your financial goals.

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Credit unions like First Tech are built differently—and that’s good news for your wallet.

Because we’re member-owned and not-for-profit, our earnings go back to you through:

  • Lower interest rates
  • Fewer fees (or none at all)
  • Flexible loan terms designed to fit your life

Whether you're looking for a personal, auto, or student loan, our goal is to help you reach your dreams with competitive rates and genuine support.

💡 Why it matters: Unlike big banks, we prioritize people over profits—so you get more value and less friction.

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Yes—personal loan funds can be used to invest in legal enterprises, including the stock market and other investment opportunities. However, it’s important to understand the risks involved.

Here’s what to keep in mind:

  • Investments are not guaranteed. Markets can fluctuate, and returns are never certain.
  • Loan repayment is required. Regardless of how your investment performs, you’re still responsible for repaying the loan according to its terms.
  • Interest costs matter. If your investment doesn’t outperform your loan’s interest rate, you could end up losing money.

At First Tech, we encourage members to make informed financial decisions. Our competitive rates, flexible terms, and financial wellness resources are here to support your goals—whether you're investing, consolidating debt, or funding a major purchase.

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Yes—you can pay off your loan early at any time, and First Tech does not charge a prepayment penalty.

Whether you want to pay a little extra each month or pay off the full balance ahead of schedule, we support your financial goals with flexible terms and member-friendly policies. Paying off your loan early may help you save on interest and reach your dreams faster.

Tip: You can make additional payments online, through our mobile app, or by contacting a Member Service Representative.

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At First Tech, we offer fixed-term personal loans with flexible repayment options to fit your financial goals. You can choose from terms of:

24, 36, 48, 60, 72, or 84 months
That means you’ll make the same monthly payment for the length of the term you select—making it easier to plan and budget.

Tip: A longer term may lower your monthly payment, while a shorter term could help you save on interest overall. Our team can help you find the right balance.

With competitive rates, no prepayment penalties, and personalized support, we’re here to help you borrow with confidence and stay on track toward your dreams.

Helpful Resources

Which loan is right for you?Actual rate will be determined based on the applicant&rsquo;s credit history, and final loan terms. All loans are subject to credit approval. Credit Union membership is required and subject to approval.

Fixed rate loan

As low as 6.99% Annual Percentage Rate (APR)6.99% <p>Fixed-Rate Loan example: $17,401 borrowed at 13.95% Annual Percentage Rate (APR) for 24 months = $47.99 per month per $1,000 borrowed.</p>

You can borrow a lump sum up to $50,000 and pay it off at a fixed-rate and term. Check your rate in 30 seconds.Check my rate: To check the rates and terms First Tech Federal Credit Union conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit. All loan applications are subject to credit approval. Membership is required and subject to approval.
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Personal Line of Credit

As low as 12.50% Annual Percentage Rate (APR)12.50% Personal Line of Credit example: APR ranges from <span class="rate no-prefix-ratetype"><span class="rate" data-state-select-refresh-url="/Areas/FirstTech.Web/Rates/RenderRate?id=4584bbb9-1e40-486b-a196-8c6a0b1d0871"> <span class="rate-prefix">As low as&nbsp;</span><span class="rate-link">12.50%</span><span class="rate-type">&nbsp;Annual Percentage Rate (APR)</span><span class="rate-range"></span><span class="rate-range-nolink"></span><span class="rate-only-nolink">12.50%</span> </span></span>&nbsp;to 18.00%. The Annual Percentage Rate (APR) will vary with the Prime Rate.

Access up to $10,000 cash on-demand and make a payment only when you have a balance.
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Certificate Secured Loans

As low as 3.00% Annual Percentage Rate (APR)3.00% Certificate Secured Loan example: $20,750 borrowed at 6.84% Annual Percentage Rate (APR) for 60 months = $19.73 per month per $1,000 borrowed. Pricing is based on savings account or certificate rates.

Borrow between $500-$500,000 to consolidate debt or pay for a vacation when you have a First Tech Share Certificate.
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Savings Secured Loans

As low as 3.00% Annual Percentage Rate (APR)3.00% Share Savings Secured Loan example: $18,635 borrowed at 3.88% Annual Percentage Rate (APR) for 60 months = $18.36 per month per $1,000 borrowed.

Borrow between $500-$500,000 to pay off debt or fund a tech innovation and you want to hold on to your cash.
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