Designed to provide members with limited credit history attractive options and lower rates than they would otherwise qualify for at banks, retailers, car dealers or finance companies.

First Time/Light Borrowers Options
  • First Time Car Loan
  • Personal Loan
  • First-Time Visa Credit Card
  • Savings-Secured Personal Loan
  • Savings Secured Visa Credit Card


To find out more about these options,  call us at (800) 944-2200, ext. 5.

Easy Application

  • Apply for your First City consumer loan 24 hours a day
  • Click 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.

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