Last Updated: 04/18/2025
First Tech Personal Loans
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Last Updated: 04/18/2025
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Highlights
APR (Fixed APR)
Starting at 7.99%(Verified 06/21/2024)
Amount Range
$500 - $50,000
Loan Term (Months)
24 - 84
First Tech Personal Loans Review
First Tech Personal Loans is offered by First Tech Federal Credit Union, a credit union founded in 1952 and based in San Jose, CA. First Tech Personal Loans are available in 50 states and Washington, DC.
Key Takeaways
- No payments for up to 45 days. Deferring your first payment (up to 45 days from the funding date of your loan) is optional and is not a condition of your loan. Deferring your loan payment may affect your APR and the total interest you pay. All other loan terms and provisions will remain the same.
- APRs starting at 7.99%. Personal loan interest rates typically range between 9% and 36%. The starting rates for First Tech Personal Loans are on the lower end of the spectrum.
- 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 |
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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, consider lenders that don’t charge origination fees.
Does First Tech Personal Loans charge a late fee?
First Tech Personal Loans does not disclose whether it charges late payment fees.
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.
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 or other government photo ID
- Proof of residence
| Minimum Age | 18 |
| Bank Account Required? | Yes |
| Application Types Accepted |
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| Credit Score | N/A |
Does First Tech Personal Loans report your account activity to credit bureaus?
Yes, First Tech Personal Loans reports to the following credit bureaus:
- 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 build your credit.
Does First Tech Federal Credit Union perform a hard credit pull?
Yes, First Tech 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 Tech Personal Loans legit?
First Tech was founded in 1952, it is a well-established company that has been in business for 74 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
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 - 6:00PM
Saturday
10:00AM - 1:00PM
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Learn MoreSuperMoney Net Recommendation Score
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