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Unsecured Loans vs Secured Loans

 

Unsecured Loans

An unsecured loan or line of credit allows you to borrow cash without using collateral.

Secured Loans

Our secure loans allow you to borrow against collateral you already own. This includes certificates, funds available in your savings account or stock.

Unsecured Loans

Secured Loans

Our secure loans allow you to borrow against collateral you already own. This includes certificates, funds available in your savings account or stock.

An unsecured loan or line of credit allows you to borrow cash without using collateral.

Pick the Best Account For You

 

Rates

Terms

Minimum/Maximum

First Payment Due

Origination Fees

Application Fees

Refinance fees

Prepayment penalty fees

Additional Benefits

Step-by-step guide

 
 

Step 1: Application

Explore the various loan and line of credit options available, including rates and terms. Apply for the loan that’s best for you online, by phone, or at your local First Tech branch. Most loans can be processed in 24 hours.

 

Step 2: Approval

First Tech will review your application including income, credit, and additional information (if needed) to ensure the loan will meet lending guidelines.

 

Step 3: Funds are disbursed

Once your application is approved and documents are signed, we’ll disburse funds.

 
 

Benefits of First Tech Personal Loans

  • Quick and easy loan Application

    Apply online in a matter of minutes.

  • Keep your money in your pocket

    These loans don't have origination, application or annual fees.

  • Pay it off as soon as you want

    No prepayment penalties.

  • You choose

    Borrow as little as $500.

  • Protect what you have

    Use your Line of Credit for Overdraft Protection on your First Tech Checking Account.

  • Anytime, anywhere account access

    Get secure online access and mobile access.

 

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