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We make getting a loan affordable with auto loan rates as low as 1.99% APR*, Home Equity Line of Credit rates as low as .99% APR*, and Personal Loans as low as 5.99% APR*

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Whatever your lending need, People First has the solution!

Affordable lending solutions designed to help you save!

When you’re a part of the community like we are, it allows us to do more for the people we serve rather than serving some faraway corporate office. Like offering low rates on new, used, or refinanced Auto Loans – with flexible terms and up to 100% financing. So, you can get behind the wheel of the car, truck, SUV or van you’ve been dreaming about. From Personal loans to Mortgage loans and more, we provide affordable lending solutions.

We even make the application process convenient and approvals quick. It’s just one more way People First always puts you first.

Auto Loans1

Looking to lower your car loan payment? With People First’s great low rate and flexible loan terms, you could trade in your old loan and put more money in your pocket.

Refinancing a car loan with us couldn’t be simpler. With rates as low as 1.99% APR*, what are you waiting for?

Home Equity Line of Credit2

With a People First Home Equity Line of Credit, you can borrow as needed to cover big purchases, finance major projects, or even consolidate debt. You only pay interest on what you borrow. With rates as low as .99% APR* for 12 months, you can make all those big dreams come true.

  • No closing costs
  • No application fees
  • No points

Personal Loans

Affordable financing for almost anything. Use it for consolidating your debts to buying an ATV to fixing your home to a great vacation. With rates as low as 5.99% APR* our personal loans are exactly what you deserve.

  • Loans up to $25,000
  • No annual fees
  • Secured & unsecured options
  • Low interest rates

Apply today!

Apply Online or make an appointment at any of our convenient branches.


*APR denotes Annual Percentage Rate. Rates are subject to change without notice. Rates are based upon an evaluation of applicant credit. Must be at least 18 years of age to apply. All loans are subject to credit approval.

1Actual rates may vary and are based off current 36 month to 60 month used auto loan rates minus .50%. These rates are for refinancing of non-People First Auto Loans only. People Perks or any other additional rate discounts are not available for this promotion. To obtain an estimated monthly payment calculate your payment with our Loan Calculator. Rate is available for current and previous 5 model years only. 

2Promotional APR is .99% for the first 12 months. After the promotion period, the APR is subject to change monthly and is based on the prime rate as published in the Wall Street Journal (on the last business day of the month) + 0.0% Margin rounded up to the nearest 0.25%, currently at the minimum rate of 3.99% (accurate as of March 1, 2022). The minimum APR is 3.99% and the maximum APR is 18%. The minimum line amount is $5,000, the maximum line amount is $250,000 and is based on a maximum Combined Loan-To-Value (CLTV) of 80% or less. Loans are on 1–4-unit family, owner-occupied residences. Existing People First loan balances are not eligible for this promotional rate.