First Tech Personal Loans
Not enough votes for recommendation
Explore a similar product
Try this top product in Personal Loans.
| APR (Fixed APR) |
Starting at 7.99% (Verified 11/24/2022) |
| Loan Amount | $500 - $50,000 |
| Loan Term (Months) | 24 - 84 months |
First Tech Personal Loans Review
First Tech Personal Loans is offered by First Tech, a credit union founded in 2012 and based in Cupertino, CA. First Tech Personal Loans are available in 50 states (and Washington, DC).
Key Takeaways
- APRs starting at 7.99%. These are typical starting rates for personal loans.
- Large loan amounts. You can apply for loan amounts of up to $50,000 with First Tech Personal Loans.
- No origination fee. First Tech Personal Loans does not charge a loan origination fee.
- Super long loan terms. First Tech Personal Loans offers loan terms of up to 84 months. Most personal loans have a maximum term of 60 months.
First Tech Personal Loans Pros & Cons
| Pros | Cons |
|---|---|
|
|
First Tech Personal Loans FAQ
What interest rates and personal loan terms does First Tech Personal Loans offer?
First Tech Personal Loans has lower than average interest rates for lenders reviewed on SuperMoney.
What interest rates does First Tech Personal Loans offer?
First Tech Personal Loans offers a fixed APR personal loan product that starts at 7.99% APR.
How much can you borrow via First Tech Personal Loans?
Personal loan amounts start at $500 and go up to $50,000.
What is the maximum loan term you can get with First Tech Personal Loans?
First Tech Personal Loans offers loans with terms of up to 84 months.
| Personal Loan Amount | $500 - $50000 |
| Loan Term | 24 - 84 months |
| APR | Starting at 7.99% |
What fees does First Tech Personal Loans charge?
Does First Tech Personal Loans charge an origination fee?
First Tech Personal Loans does not charge a personal loan origination fee.
A personal loan origination fee is what some lenders charge for processing, underwriting, and funding a personal loan. Typically origination fees range from 0.5% to 5% of the personal loan amount. Whenever possible, go with lenders that don’t charge origination fees.
Does First Tech Personal Loans charge a late fee?
No, First Tech Personal Loans will not charge you a late fee if you miss one of the monthly payments.
Does First Tech Personal Loans charge prepayment fees?
No, First Tech Personal Loans does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the personal loan off early.
| Origination Fee | No |
| Prepayment Fee | No |
| Late Payment Fee | No |
What do you need to qualify for First Tech Personal Loans?
First Tech 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 Tech Personal Loans does not have or does not disclose a minimum annual income eligibility requirement. First Tech Personal Loans only considers borrowers who are employed.
The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. Active duty service members and their covered dependents are eligible to apply for a loan via First Tech Personal Loans. Their rates fall within the limits of The Military Lending Act.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by First Tech Personal Loans.
To qualify, applicants may need to provide the following documentation:
- Applicants must have an active and valid personal checking account
- Driver's license
- Proof of residence
| Minimum Age | 18 |
| Bank Account Required? | Yes |
| Application Types Accepted |
|
| Credit Score | N/A |
Does First Tech Personal Loans report your account activity to credit bureaus?
Yes, First Tech Personal Loans reports your account activity to the following credit reporting agencies:
- Equifax
- Experian
- Transunion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.
Is First Technology Federal Credit Union a legit company?
First Technology Federal Credit Union was founded in 2012, it is a well-established company that has been in business for 11 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.
Contact
- Headquarters
-
19960 Stevens Creek Boulevard
Cupertino, CA 95014 USA - Visit Site
- Email Support
Other Services by First Technology Federal Credit Union
Availability
- Alaska
- Alabama
- Arkansas
- Arizona
- California
- Colorado
- Connecticut
- Washington, DC
- Delaware
- Florida
- Georgia
- Hawaii
- Iowa
- Idaho
- Illinois
- Indiana
- Kansas
- Kentucky
- Louisiana
- Massachusetts
- Maryland
- Maine
- Michigan
- Minnesota
- Missouri
- Mississippi
- Montana
- North Carolina
- North Dakota
- Nebraska
- New Hampshire
- New Jersey
- New Mexico
- Nevada
- New York
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Virginia
- Vermont
- Washington
- Wisconsin
- West Virginia
- Wyoming
Feature Breakdown
| No Origination Fee | |
| No Prepayment Fee | |
| Origination Fee ($) | $0 |
Be the first to rate
Would you recommend First Tech Personal Loans to your friends?
