Borrowing

First City offers convenience, competitive rates, flexible terms, and high quality personalized service.



 

 

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.
First Time/Light Borrower Program First City offers a variety of auto loan, personal loan and credit card options for 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.
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.

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.


Easy Application

  • Apply for your First City consumer loan 24 hours a day
  • Click on the Instant Loan Application or call (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.


 

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