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Personal Loan/Line of Credit

Customized loans perfect for your circumstances.

Whatever your needs (vacation, home improvements, or unexpected expenses), a Personal Loan or Line of Credit is an affordable option. Our low-rate Personal Loans and Lines of Credit help you focus on what matters. 

What’s the difference?

A Personal Loan is for a specific amount, which is disbursed to you at one time in a lump sum. In contrast, a Line of Credit is an open-ended loan that gives you access to a maximum amount of funds you can borrow against as you need money. 

    Benefits of a Line of Credit

    • Alternative to high-interest cash advance loans
    • Enjoy an open-ended line of credit similar to a credit card, but with low interest rates that often beat higher rates from major credit card lenders
    • Access cash when you need it without paying cash advance fees when you withdraw on your available balance
    • Peace of mind knowing you have quick access to funds when you need it through a balance transfer online, by phone, or in-person
    • Affordable payments that can decrease over time as you repay your balance

    Benefits of a Personal Loan

    • No origination fees
    • Reduce your debts to one monthly payment when used for debt consolidation
    • Payoff higher interest rate loans with a more affordable personal loan and keep more of your money
    • Funds received in a lump sum payment so you can quickly cover your expenses
    • Fixed payment schedule to keep your budget on track
    • Up to 72 months repayment terms that allow you to repay your personal loan over time

    First Florida Personal Loans and Lines of Credit are reported to the major credit bureaus. When you make your payments on time, you build more credit and trust from lenders.

    In most cases, our quick application process can provide same-day funding upon approval.

    See how much you can save by consolidating your debt

    Apply for a Loan Today

    Personal Loan/Line of Credit Rates

    Rates effective as of 2/17/2025
    TypeDaily Periodic RateAPR*Maximum Loan Amount**
    Personal Loan0.02737%9.99%$100,000
    Personal Line of Credit0.02737%9.99%$100,000

    *APR= Annual Percentage Rate. Your rate will be based on your creditworthiness. Please contact the credit union to find out what rate you qualify for and what criteria we use to qualify you for a certain rate.

    **Lower amounts apply based on credit risk.

    Payment Example: A $50,000.00 loan at 9.99% APR would require monthly payments of $18.53 per thousand borrowed for 72 months. Total interest paid is $16,672.96, total amount paid is $66,672.96.

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