Fixed Rate Personal Loans
Lock in a low fixed rate.
- Borrow from $500 to $50,000
- Fast online application
- Fixed rate and fixed monthly payment
As low as 7.89% Annual Percentage Rate (APR)7.89% <p>Fixed-Rate Loan example: $17,401 borrowed at 13.95% Annual Percentage Rate (APR) for 24 months = $47.99 per month per $1,000 borrowed.</p>

What is a fixed rate personal loan?
A fixed rate personal loan provides you a lump sum of money that is repaid with interest through monthly payment amounts that won’t change. Personal loans can be used for a variety of reasons such as consolidating higher interest loans, funding home improvements, consolidating credit card debt, paying for events like weddings or funerals, paying for unexpected emergencies or even vacations. Personal loans can offer an alternative to credit cards with predictable monthly payments.
Why get a personal loan from First Tech?
- Manage cash flow with low, fixed rates from As low as 7.89% Annual Percentage Rate (APR)7.89% to 18.00% Annual Percentage Rate (APR)<p>Fixed-Rate Loan example: $17,401 borrowed at 13.95% Annual Percentage Rate (APR) for 24 months = $47.99 per month per $1,000 borrowed.</p> and no payments for up to 45 daysCheck my rate: To check the rates and terms First Tech Federal Credit Union conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit. All loan applications are subject to credit approval. Membership is required and subject to approval.
- Enjoy terms from 6-84 months<p>Fixed-Rate Loan example: $17,401 borrowed at 13.95% Annual Percentage Rate (APR) for 24 months = $47.99 per month per $1,000 borrowed.</p>
- No application fees, origination fees<p>Fixed-Rate Loan example: $17,401 borrowed at 13.95% Annual Percentage Rate (APR) for 24 months = $47.99 per month per $1,000 borrowed.</p> or prepayment penalties
- DebtSafe® Optional payment protection
Highlights of low interest fixed rate loans from First Tech
• Borrow from $500 to $50,000
• Fast online application
• Fixed rate and fixed monthly payment
• Flexible repayment terms
• Visit the rates page for complete rate information and loan costs
Check your rate on a personal loan in 30 seconds or less.
Checking interest rates on personal loans will not affect your credit score.
Quoted rate is for a fixed rate personal loan.
What is Check My Rate?Check my rate: To check the rates and terms First Tech Federal Credit Union conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit. All loan applications are subject to credit approval. Membership is required and subject to approval. Have more questions like this? Check out our full FAQ for more information.

Reap the benefits.
Quick and easy loan application
- Online loan application
- Digital document delivery
- Fast loan decision
Secure, anytime, anywhere account access
- Free mobile app
- Free Online Banking
More money in your pocket
- No pre-payment penalty
- No application or origination fee<p>Fixed-Rate Loan example: $17,401 borrowed at 13.95% Annual Percentage Rate (APR) for 24 months = $47.99 per month per $1,000 borrowed.</p>
- No annual fee<p>Fixed-Rate Loan example: $17,401 borrowed at 13.95% Annual Percentage Rate (APR) for 24 months = $47.99 per month per $1,000 borrowed.</p>