8.99% APR*


You deserve to enjoy life’s moments- big and small. Our personal loans are designed to help you make the most out of the ones you see coming and prepare for the others you don’t. We’ll get you the cash you need so you can stay focused on your vacation, wedding, family, education or whatever you need at this moment in life.

For non-members, you'll be required to join Members 1st to meet eligibility requirements. 


By consolidating your high-interest loans into a single, low-interest personal loan, you can start to tackle stubborn debt and get on the fast-track to financial health. Personal loans are also an affordable way to cover medical care, emergency repairs and unexpected bills.

Personal Loan Rates

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Flexible Terms

Borrow less than $25,000 and choose from loan terms up to 60 months, or up to 180 months when you borrow more than $25,000. Plus, there is no application fee.

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Free Quarterly FICO®

Four times a year, you'll receive a free FICO® credit score report just for being a member.

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No Prepayment Penalties

Want to pay off your personal loan ahead of schedule? That's awesome! We'll never penalize you for paying early.

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Online tools and support

Managing your personal loan shouldn't require a finance degree. So, we'll help you get started with tools that keep things simple, like the option to set and forget recurring payments online.

Rates As Low As

12 Months 8.99% APR
48 Months 8.99% APR
60 Months 8.99% APR
120 months 9.99% APR
View All Rates
Know your options

Is a personal loan right for you? Compare your options and see how much you could save.

Calculate your monthly payment


Our Member Value Protection program insured the life of your loan.

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Common Questions

Many loan decisions are provided instantly. Larger, more complex loans may take longer. We strive to provide all lending decisions as quickly as possible.

Personal loans are used for multiple purposes. We offer personal loans for as little as $500. Loans up to $75,000 are based on affordability, credit history, and other factors.

Consideration for a personal loan requires a review of your credit report. When credit is pulled, an inquiry is placed on your credit record. While the impact of individual inquiries cannot be determined exactly, a strong impact on your credit score is more likely with repeated or excessive inquiries in a short period of time. Applications for credit on a reasonable, periodic basis are not likely to create a lasting negative effect on your credit score. We do suggest monitoring your credit report by taking advantage of your free annual credit report available at www.annualcreditreport.com.

Our personal loans are available for consumer and household needs. Business loans can be applied for with our branch managers or contact MyConcierge™.

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Apply Now

The loan application process will take just a few minutes to complete. We may ask you for additional information to verify your income or your Members 1st account.

If you are not yet a member, don't worry. We'll sign you up as part of the process.** We can't wait to welcome you to the faM1ly.

We're Here to Help

Getting Ready for Life's Moments and Milestones

Visa Signature® Card

Get 1.5% cash back (or 1.5 points) on every dollar you spend. On top of that, you get emergency medical coverage, trip interruption insurance, and Visa Signature Concierge Service—all with no annual fee.

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*Available terms may be restricted by loan amount and/or credit score. Promotional rate effective between 7/1/2022and 12/31/2022. $2,500 in new money required. Loans may be subject to other terms and conditions. See Rates for details.

Please be aware that by continuing you will be leaving www.members1st.org and viewing content from another website.

For your protection please be advised that public Internet email is not secure. Various links within our web site allow you to submit information to us by public Internet email. Please DO NOT provide personal or account information through public email or submit any personal information that would compromise your identity including your account number, social security number, credit card numbers, electronic services PINs, passwords or mother's maiden name. Members 1st will not respond via public Internet email to requests-for-account-information or account activity. Please contact Customer Service with these types of requests at (800) 237-7288 or (717) 795-6049.