Loan Rates

Borrow with Education First and save big
Type | APR* |
---|---|
48 months | 5.50% |
60 months | 5.50% |
72 months | 5.75% |
78 months | 6.00% |
84 months | 6.25% |
* APR = Annual Percentage Rate. APR shown is the lowest available rate. Rates depend on individual creditworthiness and are subject to change without notice.
Term | APR* |
---|---|
48 months | 5.50% |
60 months | 5.50% |
72 months | 5.75% |
78 months | 6.00% |
84 months | 6.13% |
96 months | 6.24% |
96+ months | 6.34% |
* APR = Annual Percentage Rate. APR shown is the lowest available rate. Rates depend on individual creditworthiness and are subject to change without notice.
term | rate | apr | points |
---|---|---|---|
30 Year Fixed Rate | 6.00% | 6.27% | 0.000 |
20 Year Fixed Rate | 5.87% | 6.09% | 0.000 |
15 Year Fixed Rate | 5.50% | 5.73% | 0.000 |
Rates in effect as of April 3, 2023
* APR = Annual Percentage Rate. APR shown is the lowest available rate. Rates depend on individual creditworthiness and are subject to change without notice.
term | rate | apr |
---|---|---|
60 months | 5.17% | 5.59% |
120 months | 5.30% | 5.52% |
180 months | 5.50% | 5.65% |
240 months | 5.75% | 5.87% |
300 months | 6.00% | 6.10% |
360 months | 6.00% | 6.09 |
* APR = Annual Percentage Rate. APR shown is the lowest available rate. Rates depend on individual creditworthiness and are subject to change without notice.
term | rate |
---|---|
60 months | 5.05% |
120 months | 5.17% |
180 months | 5.50% |
240 months | 5.62% |
* APR = Annual Percentage Rate. APR shown is the lowest available rate. Rates depend on individual creditworthiness and are subject to change without notice.
term | rate |
---|---|
60 months | 5.00% |
120 months | 5.50% |
180 months | 5.75% |
* APR = Annual Percentage Rate. APR shown is the lowest available rate. Rates depend on individual creditworthiness and are subject to change without notice.
Type | Fees | Intro APR* | APR* | Notes |
---|---|---|---|---|
totalREWARDS VISA | No annual fees | n/a | 11.90%* | Earn totalREWARDS on every purchase with your Education First VISA for choice of cash back, travel, merchandise or gift cards! |
total REWARDS Business VISA | No annual fees | n/a | 11.90%* | Earn totalREWARDS on every purchase with your Education First VISA for choice of cash back, travel, merchandise or gift cards! |
See credit card disclosure for rate and offer information.
* APR = Annual Percentage Rate. APR shown is the lowest available rate. Rates depend on individual creditworthiness and are subject to change without notice.
Fees | APR* |
---|---|
No annual fees | 10.70% |
* APR = Annual Percentage Rate. APR shown is the lowest available rate. Rates depend on individual creditworthiness and are subject to change without notice.
Type | Fee | APR* |
---|---|---|
Share Secured | no annual fees | 3.0% + Regular Savings Dividend Rate |
Share CD Secured for 6 – 36 months | no annual fees | 2.0% + CD Dividend Rate |
CD Secured for 37 – 60 months | no annual fees | 3.0% + CD Dividend Rate |
Unsecured Personal | no annual fees | 10.73% |
Unsecured Personal Debt Consolidation Promotion | no annual fees | 9.99%** |
* APR = Annual Percentage Rate. APR shown is the lowest available rate. Rates depend on individual creditworthiness and are subject to change without notice. The APR for Shared Secured Loans will be the dividend rate being paid on regular shares (Index) on the date of the advance plus 3%. The rates are subject to change on the first day of each calendar month to reflect any change in the Index. If there is an existing balance on the date of the rate change, the entire balance will be at the new APR. Any increase in the APR will take the form of more payments of the same amount until what you owe has been repaid. The present annual percentage rate will be disclosed on the voucher at the time of the advance.
**Unsecured personal debt consolidation promotional 9.99% APR is based on individual creditworthiness. Maximum loan amount is based on individual borrower's creditworthiness and financial qualifications. Maximum loan term is 24 months. Promotion does not apply to existing Education First loans or credit card balances. The minimum credit score to qualify for promotional 9.99%APR rate is 620. Loan proceeds must be used specifically for debt consolidation in order to qualify for special 9.99% APR promotional rate. Offer valid beginning March 15, 2023. Limited time promotion. Terms and conditions are subject to change without notice. See promotion page for details.
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When you want a better place to hold your accounts and grow your money, Education First is at the head of the class.