Personal

No pre-payment penalties

Take advantage of a competitive, fixed rate

When opportunity knocks. Or hard luck strikes.

Sometimes it just happens. Life hits you with expenses that are bigger than your savings balance. So whether you're dealing with a family medical emergency or treating the family to a special vacation, an Education First personal loan can buy you financial breathing room at an affordable cost.

Family in park reviewing personal loan options

Remodel your house. Repair your car. Rehabilitate your credit.

Personal Loans

Personal loans can be used for any purpose. They can be used to pay for major purchases or repairs, to cover once-in-a-lifetime events like weddings or debt consolidation. Flexibility is the key word. You can borrow a wide range of money for a wide range of reasons.
  • $500 minimum loan amount
  • Borrow up to $30,000*
  • A competitive, fixed interest rate makes it easy to fit payments into your monthly budget
  • No prepayment penalty, so you won't be punished for clearing your debt ahead of schedule
Apply Now!

Debt Consolidation

Personal loans are often used to refinance other existing debt. But Education First has other options. Just contact us and ask.
  • Secure a lower interest rate
  • Enjoy the convenience of only one monthly loan payment
  • Build your credit score and improve credit history
  • Reduce your financial stress
Apply Now!

Savings-Secured Loans

Maybe you're too young to have built up much credit. Or you've encountered a few bad breaks that's left you with a less-than-perfect credit history. A Savings-Secured loan is a way to build -- or rebuild -- good financial standing while gaining access to needed cash.
  • Take advantage of a low-interest rate
  • Borrow up to 100 percent of your Savings Account balance
  • Repayment schedules as long as 144 months
  • Money can be used for any purpose
Apply Now!

School Zone Loans

Tuition and room and board can be expensive enough, but there's plenty more to pay for once a student hits campus. A School Zone loan from Education First can help defray some of these added expenses. 
  • A low-interest loan for students with little or no credit history
  • $1,000 maximum loan to be repaid over 10 months
  • 10% fixed APR**
  • Proof of current school registration or current school ID required
  • Auto-draft repayment recommended
Apply Now!

*The maximum may vary based on a borrower's creditworthiness and other financial qualifications

**APR= Annual Percentage Rate. Some restrictions apply. If student has no income or credit history, a co-signer will be required to meet requirements. Loan approval is based on co-signer's credit worthiness. Federally Insured By NCUA.