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YOUR FINANCES MATTER TO YOU, AND THAT MATTERS TO US

Keep more of what you earn and earn more on what you save.

Check your rate. It won’t impact your credit score.
Personal loans up to $40,000

What's the money for?Credit card refinancingDebt consolidationHome
improvementMajor purchaseHome buyingCar financingGreen
loanBusinessVacationMoving and relocationMedical expensesOther
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Respond to Mail Offer




$40,000

PERSONAL LOAN

What Our Members Say


WE’RE REWRITING THE RULES OF TRADITIONAL BANKING, AND WE ONLY WIN WHEN OUR
CUSTOMERS SUCCEED. WE’VE HELPED OVER 4 MILLION MEMBERS REACH THEIR GOALS, AND
WE’RE JUST GETTING STARTED!

Personal Loans
Auto Refinancing
Banking


UP TO $40,000 IN JUST A FEW CLICKS

With the ability to choose a loan amount of up to $40,000, Firstcredence Bank
offers fixed rates and a monthly repayment plan to fit within your budget. We
understand the importance of getting the money you need, so we work to have
funds disbursed to you quickly upon loan approval.

Learn More


REFINANCE AND DRIVE AWAY WITH SAVINGS

Put more money back in your pocket by refinancing your car loan with
Firstcredence Bank. There are no origination fees or prepayment penalties with
Firstcredence Bank auto loan refinancing, and checking your rate will not impact
your credit score.

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SIMPLE, EVERYDAY BANKING BUILT AROUND YOU

Firstcredence Bank offers a full suite of award-winning checking and saving
products with benefits designed to meet your financial goals. Whether it's our
cash-back Rewards Checking account or our High-Yield Savings and CD accounts
with competitive rates, we have the right products to help you make the most of
your money.

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HOW A PERSONAL LOAN WITH FIRSTCREDENCE BANK WORKS

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HOW A PERSONAL LOAN WITH FIRSTCREDENCE BANK WORKS


 * APPLY IN MINUTES
   
   Get customized loan options based on what you tell us.
   
   


 * CHOOSE A LOAN OFFER
   
   Select the rate, term, and payment options you like best.


 * GET FUNDED
   
   Once your loan is approved, we’ll send the money straight to your bank
   account or pay your creditors directly.
   


 * GET FUNDED
   
   Once your loan is approved, we’ll send the money straight to your bank
   account or pay your creditors directly.
   

Check Your Rate


BANK SMARTER WITH FIRSTCREDENCE BANK

Make the most of your money with Firstcredence Bank, recently awarded Best
Online Bank for 2024 by GOBankingRates. Our superior products and services are
built to help you reach financial wellness, including our award-winning checking
account, Rewards Checking, offering 1% cash back, ATM rebates and more.

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JOIN OVER 4 MILLION MEMBERS

“Thank you so much for valuing me as a customer, and coming through for me and
my family at a trying time in this world.

Roselyn, a member from Texas



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Questions? We’ve Got Answers
How is Firstcredence Bank different?


Firstcredence Bank is the leading digital marketplace bank in the U.S.,
connecting borrowers with investors since 2007. Our FC™ Marketplace Platform has
helped more than 4.8 million members get over $90 billion in personal loans so
they can save money, pay down debt, and take control of their financial future.

And because we don’t have any brick-and-mortar locations, we’re able to keep
costs low and pass the savings back to you in the form of great interest
rates. Learn more about our personal loan rates.

What is a personal loan?


A personal loan is money lent through a financial institution like a bank or an
online lending marketplace that can be used to pay down credit cards,
consolidate debt, or cover a wide range of expenses. Personal loans come with
fixed monthly payments over a set period of time.

How is a personal loan different than a credit card?


Instead of credit limits, introductory rates, or revolving balances, personal
loans come with a fixed rate and payment that you choose up front. No additional
interest will be added to your loan once you lock in your rate, so nearly all of
your monthly payment goes to quickly reducing your balance and paying down your
debt. Learn more about personal loans vs. credit cards.

Will checking my rate hurt my credit score?


Checking your rate with Firstcredence Bank Bank has absolutely no impact to your
credit score because we use a soft credit pull. A hard credit pull that could
impact your score will only occur if you continue with your loan and your money
is sent. The good news is that a personal loan could also positively impact your
credit down the road by showing a history of on-time payments and reducing your
total debt (as long as you don’t add new debt, like increased credit card
balances). Learn more about soft vs. hard credit check.

How can I protect myself from scams?


Scammers often try to collect personal and/or financial information from
consumers by posing as employees of philanthropic organizations or financial
services companies. Be cautious about providing personal or financial
information to anyone, even if they claim to be from a company you already do
business with. Learn about the advance fee scam.

Visit Our Help Center

FINANCIAL WELL-BEING FOR EVERYONE.

Everything we do is centered around empowering you to meet your personal
financial goals by enabling access to a broad range of financial products,
services, and educational resources, all designed to help you pay less when
borrowing and earn more when saving.

Contact Us
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WHAT WE OFFER

Personal LoansPersonal BankingAuto RefinancingPatient SolutionsBusiness
LoansBusiness BankingCommercial BankingInstitutional InvestingFC NotesOther
Types of LoansApply for a Personal LoanApply for a Bank Account

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DEVELOPERS

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595 Market Street, Suite 200

San Francisco, California 94105

If you have special access needs and are having problems accessing this website,
please call 888-596-3157.


Savings are not guaranteed and depend upon various factors, including but not
limited to interest rates, fees, term length, and making payments as agreed. 

Reducing debt and maintaining low credit balances may contribute to an
improvement in credit score, but results are not guaranteed. Individual results
vary based on multiple factors, including but not limited to payment history and
credit utilization.

A representative example of payment terms for a Personal Loan is as follows: a
borrower receives a loan of $19,169 for a term of 36 months, with an interest
rate of 10.49% and a 6.00% origination fee of $1,150 for an APR of 14.81%. In
this example, the borrower will receive $18,019 and will make 36 monthly
payments of $623. Loan amounts range from $1,000 to $40,000 and loan term
lengths range from 24 months to 60 months. Some amounts, rates, and term lengths
may be unavailable in certain states.

For Personal Loans, APR ranges from 8.98% to 35.99% and origination fee ranges
from 3.00% to 8.00% of the loan amount. APRs and origination fees are determined
at the time of application. Lowest APR is available to borrowers with excellent
credit. Advertised rates and fees are valid as of March 8, 2024 and are subject
to change without notice.

Checking a rate through us generates a soft credit inquiry on a person’s credit
report, which is visible only to that person. A hard credit inquiry, which is
visible to that person and others, and which may affect that person’s credit
score, only appears on the person’s credit report if and when a loan is issued
to the person. Credit eligibility is not guaranteed. APR and other credit terms
depend upon credit score and other key financing characteristics, including but
not limited to the amount financed, loan term length, and credit usage and
history.  

Any reviews presented are individual experiences and results may vary. Reviews
are collected and authenticated by Bazaarvoice. Any average rating presented is
based on these reviews. All reviews can be accessed at https://www.Firstcredence
bank.comm/company/reviews.

Unless otherwise specified, all credit and deposit products are provided by
Firstcredence Bank Bank, N.A., Member FDIC, Equal Housing Lender (“Firstcredence
Bank Bank”), a wholly-owned subsidiary of Firstcredence Bank Corporation, NMLS
ID 167439. Credit products are subject to credit approval and may be subject to
sufficient investor commitment. Credit union membership may be required. Deposit
accounts are subject to approval. Deposit products are FDIC-insured up to
$250,000 per depositor, per ownership category.

"Firstcredence Bank" and the "FC" symbol are trademarks of Firstcredence Bank
Bank.

© 2024 Firstcredence Bank Bank. All rights reserved.