Skip to the content
Home / Personal / Borrow / Personal Loans


You’ll find affordable rates and great terms for financing practically anything and get you where you want to go.

Apply Now

Affordable financing for almost anything.

We’ll help you find the loan that works for you.

It’s known by a few names. An unsecured loan. A signature loan. A personal loan. Whatever you call it, use it for almost anything from consolidating your debts to buying an ATV to fixing your home to a great vacation. The low, fixed rate is a perfect way to finance almost anything.


Unsecured Fixed-Rate Loan1

TermAPR* as low asApprox. Loan Payment2
up to 12 months5.99%3$86.05
up to 36 months6.24%3$30.53
up to 60 months7.24%3$19.92
Loan rates are effective: November 1, 2021
*APR denotes Annual Percentage Rate. 1A better People Perks rate may be possible based upon your relationship with People First. 2Payments quoted above are based upon $1,000 borrowed. In order to obtain an estimated monthly payment for a specified loan amount, multiply the monthly payment factor listed above for the desired loan term by the number of thousand dollars borrowed or calculate your payment with our Loan Calculator. 3The fixed rate is the lowest rate offered for this product. Rates are based upon evaluation of applicant credit. Actual rates may vary.

Personal Line of Credit

Tap into a Personal Line of Credit for extra funds.

With a Personal Line of Credit, you only borrow what you need, when you need it. There’s a $500 minimum and a $10,000 maximum. It features a variable rate, no annual fees, and it can be tied to Overdraft Protection to cover charges if you don’t have enough in your checking account. Best of all, the monthly minimum payments are affordable.


Personal Line of Credit Rate

TypeAPR*Payment Schedule
Variable10.25%1Minimum monthly payment $25
Loan rates are effective: April 1, 2022
The current prime rate is 3.50%. *APR denotes Annual Percentage Rate. 1The variable line of credit rate is subject to change monthly. The rate is based on the prime rate as published in the Wall Street Journal on the last business day of the month plus a 6.75% Margin rounded up to the nearest 0.25%. The maximum APR is 18%.


Personal Line of Credit Payment Schedule

Outstanding Account BalanceMinimum Monthly Payment
$0.00 - $999.99$25.00
$1,000 - $1,999.99$50.00
$2,000 - $2,999.99$75.00
$3,000 - $3,999.99$100.00
$4,000 - $4,999.99$125.00
$5,000 - $5,999.99$150.00
$6,000 - $6,999.99$175.00
$7,000 - $7,999.99$200.00
$8,000 - $8,999.99$225.00
$9,000 - $10,000$250.00

Apply in minutes

You’re just one short form away from getting that Personal Loan.


All loans are subject to credit approval. All Signature Line of Credit Loan payments are due on the 25th of each month.