First
Choice America
Loan Calculator
Consumer Loan Information
We offer a wide variety of consumer loans to help with almost any purchase or project. The minimum amount for a consumer loan is $250.00 and /or $50.00 minimum monthly payment. Our rates vary and can change at any time.
| Loan Type | Information |
| Universal Loans | $2,000.00 maximum loan amount; up to 1 year repayment term; As low as 9.69% APR* call for details on how to get this rate |
| Home Improvement Loans | 3 to 7 year term; as low as 8.5% APR up to 10.00% APR; other rates and terms available |
| Student Loans | Applications are available at all locations |
| Share Secured Loans | 2% above tiered savings rate paid on member's account; loan rate may adjust quarterly |
| Certificate Secured Loans | 2% above rate of certificate; loan rate may adjust at certificate's maturity |
| Debt Consolidation Loans | Member must provide copies of all debts; rates and terms vary |
| Signature Loans | Rates and terms vary |
Motor Homes/Travel Trailers/and Watercraft Loans
| New 90% Financing | Used 80% Financing | ||
| Term | APR | Term | APR |
| 12 to 36 Months | 8.00% | 12 to 36 Months | 8.50% |
| 48 to 84 Months | 9.00% | 48 to 84 Months | 9.50% |
| 96 to 120 Months | 10.00% | 96 to 120 Months | 10.50% |
All loans are subject to credit approval.
