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Personal Loans

Personal Loans

Money When You Need It. Support You Can Count On.

Life happens, and we’re here when it does. A First U.S. personal loan makes it easier to manage unexpected expenses like vehicle repairs, tackle home improvement projects or consolidate high interest debt like credit cards or medical bills. With a low fixed rate and straightforward terms, it’s support you can feel confident about.

Borrow up to $25,000

Flexible terms from 12 to 60 months

No application or processing fees

Apply online, get approved in minutes, get the cash you need quickly.

Personal Line of Credit

Flexible Funds. Ready When You Are.

Whether it’s financing a vacation or just needing that little extra cash until your next paycheck, a First U.S. personal line of credit gives you ongoing access to funds when you need them. With a fixed rate and simple access through your checking account, it’s a reliable way to stay prepared for what’s ahead.

Competitive rates

Draw and repay as needed

Link as overdraft protection

Apply online, get approved in minutes, and keep funds within reach.

Personal Loan: Your actual rate may vary and will be based on credit score and the loan term. Minimum loan amount: $3,000 for terms longer than 36 months. Maximum loan amount: $25,000.

Personal Line of Credit: Maximum loan amount: $25,000. Minimum payment: 2% or $25, whichever is greater.



Quick Cash

Break the loan cycle with Quick Cash – our new payday alternative loan.

Are you stuck in a payday loan cycle? We can help.

Borrow $300 from a payday lender. There's a fee, usually 20% of the loan amount. So you write a check for $360 to the lender (the $300 you're borrowing, plus the 20% fee).

Then in two weeks, they cash your check – and you're done.

Or are you? Many borrowers end up rolling the loan over, and paying an additional $60. In just one month, many people end up paying $120 to borrow $300. That's a 520% annual percentage rate!

With our Quick Cash Loan, you can avoid all of these and save with:

  • No credit check
  • One, low $20 application fee
  • Terms from one to three months
  • Loans from $200 to $500
  • A competitive 28% short-term APR

Quick Cash also comes with a copy of Right on the Money, a great financial literacy resource, with tips, tricks and best practices when it comes to managing your money.

APRs, rates, terms and offers accurate as of 05/17/2026 and subject to change without notice. Non-refundable $20 application fee per loan application. Only one open/active loan at any time. Maximum 6 Quick Cash loans per year. (Maximum 3 in a rolloing 6-month period.) Direct deposit of net payroll is required. Payment example: 3 monthly payments of $34.91 per $100 borrowed.