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First Tech Routing #321180379

Borrow up to $50,000

  • Fast loan decision
  • Apply online in minutes
  • No hidden fees
Woman sitting on a couch opening a box.

Personal Loans from First Tech

A First Tech personal loan offers you an alternative to credit card debt and payday loans. Lower your interest and spend less over time. Apply online, call us, or stop by a First Tech location today.

A First Tech personal loan is perfect for little luxuries and unforeseen emergencies.

Personal Loan Rate


  • Apply online in less than 15 minutes
  • No hidden fees, no annual fee, no pre-payment penalty
  • Borrow up to $50,000
  • Fixed-rate, fixed-term loan
  • As low as 7.70%  APR


Credit Card Consolidation

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Credit card debt can be the biggest barrier between you and financial freedom. In 2018, credit card debt in the U.S. exceeded $1 trillion.Source: Federal Reserve (2018, Oct 7). Consumer Credit - G.19.

Don't let credit cards burden your financial future. Refinance with a personal loan and break free from credit card debt.

Home Improvement Projects

Your list of home improvement projects never gets smaller. Whether it's time to finish the basement, clean the attic, or build a backyard deck, there are always new plans to add value to your home and improve your quality of life. So which projects create the most value?

Ask our First Tech loan experts before you hammer the first nail. You could get approved today and start executing your vision tomorrow.

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Emergency Loan Image

Unexpected expenses don't wait until payday to pop up. Emergencies happen at any time, and can threaten to derail your income and savings if you're not prepared.

A fixed-term personal loan from First Tech can help you stay in control and get back on your feet.

Vacations & Large Purchases

Planning a dream vacation to Japan? Or maybe a family reunion in Mexico? Hotel and plane tickets add up quickly, and can strain your wallet before you even get a chance to relax.

With First Tech personal loans, you can fund your vacations over a set time period, without putting stress on your credit cards. A First Tech personal loan may be your best travel buddy.

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Applying is easy

Applying for a personal loan is a simple process and most applicants know if they are accepted within 24 hours.


  1. Apply online or at a First Tech location
  2. Find out if your loan is approved
  3. Money is moved to your account

Personal Loan Basics

How long does it take to get a personal loan?

You can apply online and you will know if you are approved within 24 hours. Money can be moved to your account that day.


Can I consolidate credit cards and loans from different lenders?

You can definitely consolidate credit cards and loans from different lenders into one loan with First Tech.


What is the maximum amount I can borrow?

You can borrow up to $50,000.

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Common credit union questions

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What is the difference between a bank and a credit union?

Banks are for-profit and credit unions are owned by the members and are not-for-profit.


How do I join?

Joining First Tech is easy.

  • Stop by a First Tech location
  • Call 855.855.8805 to learn more
  • Apply online when creating a loan application


Are there locations near me?

  • First Tech has over 40 locations with hubs in Washington, Oregon, & California.
  • You can deposit or withdraw money from our network of over 30,000 co-op branches and ATMs.
  • Best of all, First Tech has one of the most advanced banking apps in the industry that allows you to deposit money, pay bills, transfer money, and send money to friends.

Why First Tech

  • Sixth largest credit union in the United States with over 500k members.
  • Insured by the National Credit Union Administration (NCUA), which has rated First Tech among the safest credit unions in the country.
  • First Tech is a not-for-profit, member-owned credit union.
  • In 2017, First Tech donated more than $3.1 million in charitable causes.
Student Loan Lifestyle
*APR=Annual Percentage Rate. Actual rate will be determined based on the applicant's credit history, and final loan terms. Offer is subject to normal credit qualifications, meeting First Tech Federal Credit Union's relationship requirements and underwriting policy guidelines. Interest rate and program terms are subject to change without notice. Additional restrictions may apply.