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Consumer Loans and Visa Platinum Credit Cards

When it's time to borrow, First City offers convenience, competitive rates, flexible terms, and high quality personalized service.

You can also apply for your First City consumer loan 24 hours a day clicking on the Instant Loan Application or by calling (800) 944-2200, ext. 5. Qualified members are approved in minutes. You can also apply at any First City branch during business hours.

Payroll Deduction makes it even easier to make your loan payments. It's convenient and safe. And you may be able to make to small payments twice a month, rather than one large payment - which helps to smooth-out your monthly cash flow.

Loan Options

  • Auto Loans - Low rates + easy terms = a lower monthly payment! Finance your purchase, or refinance your existing loan from another lender for a lower monthly payment!
  • Recreational Vehicles - Whether you're in the market for a boat, motorcycle, RV, personal watercraft, or trailer you'll find an affordable financing option through First City.
  • Personal Loans - You can use your First City Personal loan for a vacation, home improvements, unexpected expenses, bill consolidation, or whatever you need.
  • Visa Platinum Credit Cards - Enjoy the prestige and convenience of Visa Platinum, combined with First City's low rates and high-quality service.
  • Young Adult Loan Program - First City offers a variety of auto loan, personal loan and credit card options for young members who may have little, or no, experience with credit.
  • Skip-A-Payment - First City's Skip-A-Payment service allows you to have extra cash when you need it most.  With Skip-A-Payment, you can skip up to three non-consecutive payments each year on your qualified First City consumer loan.  To request Skip-A-Payment, call (800) 944-2200, ext. 0, or stop by any First City branch.  You can also request a Skip-A-Payment within the Account Access function of the FirstCitylink online banking service.  Click here to login.

There is a $30 fee for each payment skipped.  Interest will accrue during the period the payment is skipped.  Credit cards, deposit-secured loans, and real estate loans do not qualify.  Other conditions apply:  see the Terms and Conditions form provided when the Skip-A-Payment is requested.

By using this web site's online banking service you agree that we have the right to monitor and record your activity on the online banking service, and report unauthorized access or illegal activity to law enforcement agencies.
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