Last Updated: 04/18/2025
First City Credit Union Personal Loans
Unaffiliated
Last Updated: 04/18/2025
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Highlights
APR (Variable APR)
9.99% - 10.74%(Verified 06/21/2024)
Amount Range
$500 - $30,000
Loan Term (Months)
Up to 60
First City Credit Union Personal Loans Review
First City Credit Union Personal Loans is offered by First City Credit Union, a credit union founded in 1937 and based in Altadena, CA. first city credit union personal loans are available in 1 state.
Key Takeaways
- Uses a variable APR. This is uncommon for personal loans. If interest rates rise in the future it could make the monthly payments more challenging. These are average interest rates for a personal loan. If you have good credit or a cosigner, you could probably find better rates.
first city credit union personal loans Pros & Cons
| Pros | Cons |
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first city credit union personal loans FAQ
What interest rates and personal loan terms does first city credit union personal loans offer?
What interest rates does first city credit union personal loans offer?
first city credit union personal loans offers a variable APR personal loan product that ranges from 9.99% APR up to 10.74% APR.
How much can you borrow via first city credit union personal loans?
Personal loan amounts start at $500 and go up to $30,000
What is the maximum loan term you can get with first city credit union personal loans?
first city credit union personal loans offers loans with terms of up to 60 months.
| Personal Loan Amount | $500 - $30000 |
| Loan Term | up to 60 months |
| APR | 9.99% - 10.74% |
What fees does first city credit union personal loans charge?
Does first city credit union personal loans charge an origination fee?
first city credit union personal loans may charge a personal loan origination fee .
Does first city credit union personal loans charge a late fee?
first city credit union personal loans does not disclose whether it charges late payment fees.
Does first city credit union personal loans charge prepayment fees?
Yes, first city credit union personal loans may charge additional fees to borrowers who pay off their loans sooner than anticipated. Take this into consideration when choosing a lender because prepayment penalties can reduce or even cancel the interest savings of repaying a personal loan early.
| Origination Fee | No |
| Prepayment Fee | Yes |
| Late Payment Fee | No |
What do you need to qualify for First City Credit Union Personal Loans?
First City Credit Union Personal Loans does not require or does not disclose a credit score minimum. The minimum age to be eligible is 18 or the state minimum, whichever is higher. First City Credit Union Personal Loans does not have or does not disclose a minimum annual income eligibility requirement.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by First City Credit Union Personal Loans.
To qualify, applicants may need to provide the following documentation:
- Proof of income
- Driver's license or other government photo ID
- Proof of identity
- Proof of citizenship or residence permit
| Minimum Age | 18 |
| Bank Account Required? | No |
| Credit Score | N/A |
Does First City Credit Union perform a hard credit pull?
Yes, first city credit union personal loans performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
Are First City Credit Union Personal Loans legit?
first city credit union was founded in 1937, it is a well-established company that has been in business for 89 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.
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Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
9:00AM - 5:00PM